www.wellsfargo.com Open in urlscan Pro
95.101.111.148  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Skip to content
 * Sign On
 * Customer Service
 * ATMs/Locations
 * Español

Search  Opens a dialog.
 * selected Personal
 * Investing & Wealth Management
 * Small Business
 * Commercial Banking
 * Corporate & Investment Banking



WELLS FARGO ACTIVE CASHSM CREDIT CARD TERMS AND CONDITIONS


 * Print
 *  
   Share
   FacebookTwitterShare this page


SHARE THIS PAGE

 * LinkedInclick on this link to share this page in linkedin
 * Emailclick on this link to share this page via email

Choose a link above. We provide these links to external websites for your
convenience. Wells Fargo does not endorse and is not responsible for their
content, links, privacy policies, or security policies.

End of popup



WELLS FARGO ACTIVE CASH VISA® CARD TERMS AND CONDITIONS


IMPORTANT DISCLOSURES

  Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for 15 months from date of account opening.

After that, your APR will be 19.74%, 24.74%, or 29.74%, based on your
creditworthiness. This APR will vary with the market based on the U.S. Prime
Rate.

Annual Percentage Rate (APR) for Balance Transfers

0.00% introductory APR for 15 months from date of account opening.

After that, your APR will be 19.74%, 24.74%, or 29.74%, based on your
creditworthiness. This APR will vary with the market based on the U.S. Prime
Rate. A balance transfer request must be made within 120 days from account
opening to qualify for the introductory APR. Balance Transfers are subject to
eligibility.

APR for Cash Advances and Overdraft Protection Advances

29.99%

This APR will vary with the market based on the U.S. Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. We
will not charge you interest on purchases if you pay your entire balance by the
due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit
card, visit the website of the Consumer Financial Protection Bureau at
https://www.consumerfinance.gov/learnmore.*

  Fees

Annual Fee

None

Transaction Fees

 

 * Balance Transfers

Introductory fee of either $5 or 3% of the amount of each balance transfer,
whichever is greater, for 120 days from account opening. After that, up to 5%
for each balance transfer, with a minimum of  $5.

 * Cash Advances

Either $10 or 5% of the amount of each advance, whichever is greater.

 * Foreign Currency Conversion 

3% of each transaction converted to U.S. dollars.

Penalty Fees

 

 * Late Payment

Up to $40

HOW WE WILL CALCULATE YOUR BALANCE

We use a method called "average daily balance (including new purchases)".

* You are leaving Wells Fargo and entering a website that Wells Fargo does not
control. Wells Fargo has provided this link for your convenience, but does not
endorse and is not responsible for the content, links, privacy policy, or
security policy of this website.

You may not qualify for an additional Wells Fargo credit card if you have opened
a Wells Fargo credit card in the last 6 months. We may also limit the total
number of open Wells Fargo credit card accounts you have.

We will begin charging interest on cash advances and balance transfers on the
transaction date.

CREDIT LIMIT REALLOCATION

If you have a credit card with Wells Fargo, have no current balance on that card
and have not used your card for any purpose in the past six months and you are
applying for an additional card, you agree to allow Wells Fargo to allocate your
credit limits between your existing and new credit card accounts, to allow for
use of both cards.  Please note that you can change or reallocate your limits on
your own by calling Customer Service at any time, with certain restrictions.

HOW WE WILL CALCULATE YOUR VARIABLE APRS

 * Unless an introductory or promotional APR is in effect, we will add a
   “Margin” to the U.S. Prime Rate to determine your standard variable APR. For
   each billing period we will use the U.S. Prime Rate, or the average of the
   U.S. Prime Rates if there is more than one, published in the Money Rates
   column of The Wall Street Journal three business days prior to your billing
   statement closing date. If the U.S. Prime Rate is not published or is
   otherwise unavailable, whether temporarily or permanently, we will select a
   substitute index that we believe, in our sole discretion, to be similar to
   the U.S. Prime Rate. The U.S. Prime Rate is 8.00 percentage points as of
   05/04/2023.
 * The "Margin" for purchases and balance transfers will be 11.74, 16.74, or
   21.74 percentage points, based on your creditworthiness. The Maximum APR is
   29.99%.
 * The "Margin" for cash advances and overdraft protection advances will be
   22.74 percentage points. The Maximum APR is 29.99%.

Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its
discretion in accordance with the Consumer Credit Card Customer Agreement and
Disclosure Statement ("Agreement") for your account and applicable law. 

You may not qualify for the lowest APRs disclosed above. The APRs applicable to
your account will be determined by our review of your credit report, information
you provide on your application, and other relevant information available to us.

--------------------------------------------------------------------------------

APPLICATION OF PAYMENTS

Generally, we will apply your minimum payment first to lower APR balances (such
as Purchases) before balances with higher APRs (such as Cash Advances). Payments
made in excess of the minimum payment will generally be applied to balances with
higher APRs first before balances with lower ones.

OVERDRAFT PROTECTION



If you choose to link your Account to your Wells Fargo checking account for
Overdraft Protection, please note the following. If you have a joint checking
account, you will be responsible for all advances, including interest and
charges, from your credit card to cover overdrafts, regardless of who writes the
check, makes the debit card purchase, or engages in any other transaction that
causes the overdraft. Interest will accrue from the date each advance is made.
Your credit card must be confirmed; if it is not confirmed, no money will
transfer to cover the overdraft. Once your credit card has been confirmed,
please allow up to 3 business days for your Overdraft Protection service to be
fully enabled. Refer to the Consumer Credit Card Customer Agreement and
Disclosure Statement for details. There may be other options available to
protect against overdraft that may be less costly. For additional information on
overdraft protection using your credit card, please visit
www.wellsfargo.com/credit-cards/features/overdraft-protection. For details on
other options, please visit www.wellsfargo.com/checking/overdraft-services/.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering
activities, U.S. Federal law requires financial institutions to obtain, verify,
and record information that identifies each person (individual or business) who
opens an account. What this means for you: when you open an account, we will ask
for your name, address, date of birth and other information that will allow us
to identify you. We may also ask for your driver's license or other identifying
information.

CONSENT TO CONTACT YOU

By providing us with any telephone number, you are expressly consenting
permission to contact you at that number about all of your Wells Fargo accounts.
You give consent to allow us to contact your past, present and future phone
service providers to verify the information you have provided against their
records. You agree that your phone service providers may verify any phone
numbers you have supplied to the name, address, and status on their records. For
us to service your Account or to collect any amounts you may owe, you agree that
we may contact you using any contact information related to your Account
including any number (i) you have provided to us (ii) from which you called us,
or (iii) which we obtained and reasonably believe we can reach you. We may use
any means to contact you and this may include contact from companies working on
our behalf to service your accounts. This may include automated dialing devices,
prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to
your cell phone or Voice over Internet Protocol (VoIP) service, or any other
data or voice transmission technology. You are responsible for any service
provider charges as a result of us contacting you. You agree to promptly notify
us if you change any contact information you provide to us. This includes your
name, mailing address, e-mail addresses, or phone numbers. If you have a joint
Account, a notice to one of you will serve as a notice to both of you.

NOTICE TO OHIO RESIDENTS

The Ohio laws against discrimination require that all creditors make credit
equally available to all creditworthy customers, and that credit reporting
agencies maintain separate credit histories on each individual upon request. The
Ohio Civil Rights Commission administers compliance with this law.

NOTICE TO MARRIED WISCONSIN RESIDENTS

If you are married, by submitting your credit card application you are
confirming that this credit card obligation is being incurred in the interest of
your marriage and your family. No provision of any marital property agreement
(pre-marital agreement), unilateral statement under 766.59 of the Wisconsin
Statutes, or a court decree under 766.70 adversely affects the interest of the
creditor unless the creditor, prior to the time the credit is granted, is
furnished a copy of the agreement, statement or decrees or has actual knowledge
of the adverse provision. If the credit card for which you are applying is
granted, you will notify the Bank if you have a spouse who needs to receive
notification that credit has been extended to you.

APPLICATION AGREEMENT

This application is for a credit card with Wells Fargo Bank, N.A. You certify
that all information provided is true, correct, and complete and that you have
the legal capacity to enter into this Agreement. The Bank is authorized to
verify or check any of the information given, to obtain credit reports on you
and to make Overdraft Protection advances if you requested that feature.  You
authorize the Bank to obtain information from others to investigate your credit,
employment and income history and state records including state employment
security agency records and to report information regarding your account to
consumer reporting agencies. You agree that the Bank will determine the amount
of credit extended, as well as which product you qualify for, based on the
Bank's review criteria. If you do not qualify for the product or pricing
requested or for the lowest pricing offered, you authorize the Bank to grant you
the product and pricing for which you do qualify. You agree to be bound by the
terms and conditions of the Agreement, which will be sent to you, and understand
that the terms of your account may be changed at any time, subject to applicable
law. You hereby stipulate to the terms of the arbitration program described in
the Agreement. You understand and agree that you will be liable for payment of
all amounts owing on the account. The minimum credit limit, provided you meet
the terms and conditions of this offer, is $1,000.00.

A consumer report from consumer reporting agencies will be obtained in
considering this application and for the purposes of any update, renewal,
extension of credit, review or collection of the account. Upon request, we will
inform you of the name and address of each consumer reporting agency from which
we obtain a consumer report relating to you. If you are a married applicant you
may apply for credit in your own name.

IMPORTANT NOTICE

Please call to confirm receipt of your new card as soon as you receive it. If
you do not do so, your requests for certain services such as balance transfers,
Overdraft Protection, Wells Fargo Online® and ATM access may be delayed and you
may be denied access to your account.

This information about the cost of the credit card account described in this
disclosure is accurate as of August 2022. This information may have changed
after that date. To find out what may have changed, call 1-866-568-6521.

IMPORTANT OFFER DETAILS





$200 BONUS NOTICE

To qualify for the $200 cash rewards bonus, a total of at least $500 in net
purchases (purchases minus returns/credits) must post to your account within 3
months from the date your account is opened. The bonus cash rewards will show as
redeemable within 1 - 2 billing periods after they are earned. Cash advances and
balance transfers do not apply for purposes of this offer and may affect the
credit line available for this offer. ATM transactions, cash advances of any
kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and
prepaid gift cards, casino gaming chips, wire transfers, off-track wagers,
lottery tickets, or bets or wagers transmitted over the internet, fees or
interest posted to a linked account, including but not limited to returned
payment fees, late fees, and monthly or annual fees, do not earn cash rewards.
Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions
and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for
details.

CELLULAR TELEPHONE PROTECTION

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer
Credit Card cardholder for damage to, theft of, or involuntary and accidental
parting of a cell phone. This is supplemental coverage not otherwise covered by
another insurance policy (for example, cell phone insurance programs, or your
homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be
applied after all other insurance is exhausted. Reimbursement is limited to the
cost to repair or replace your original cell phone, less a $25 deductible with
an allowable maximum of two paid claims per 12-month period. Each approved claim
has a benefit limit of $600. This benefit does not cover cell phones that are
lost (i.e., mysteriously disappear). This protection is only available when cell
phone bills are paid with an eligible Wells Fargo Consumer Credit Card. The
coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit
Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from a
card that is linked to a Line of Credit. Eligible cell phones are the lines
listed on your most recent cellular wireless service provider’s monthly billing
statement for the billing cycle prior to when the incident occurred. Electronic
failure or issues related to the software of the device are not covered.
Cellular Telephone Protection coverage begins the first day of the calendar
month following the payment of your first cell phone billing using your eligible
Wells Fargo Consumer Credit Card, and remains in effect when you continue to
charge your total monthly cell phone bill to your Wells Fargo Consumer Credit
Card. This protection may not be equivalent to or better than other applicable
coverage. For complete coverage benefits and exclusions regarding this
protection, go to the Wells Fargo Active Cash SM Card Guide to Benefits.

Note:

Call your cellular provider (or sign on to their website) and request to set up
automatic payments. Setting up automatic payments is not required to qualify for
Cellular Telephone Protection; however, you need to pay your monthly cell phone
bill with your eligible Wells Fargo Consumer Credit Card to get up to $600
protection.


--------------------------------------------------------------------------------

--------------------------------------------------------------------------------




SUMMARY OF THE WELLS FARGO REWARDS® PROGRAM TERMS AND CONDITIONS AND ADDENDUM
FOR THE WELLS FARGO ACTIVE CASH VISA® CARD


EFFECTIVE: MARCH 18, 2023

 1.  In this summary, You will find the following terms:
     
     * "You," "Your," or "Customer" means each person who owns a Wells Fargo
       rewards-based Credit Card and participates in its Wells Fargo Rewards®
       ("Program"), according to Our records.
     * "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A.
     
     ADDITIONAL DEFINED TERMS
     
     Addendums
     
     Addendums go with these Program Terms and Conditions and give specific
     Terms and Conditions for Your Wells Fargo rewards-based Credit Card. The
     Addendum may also address Rewards expiration and forfeiture,and annual
     earning maximums.
     
     Credit Card
     
     An eligible Wells Fargo Credit Card that participates in the Wells Fargo
     Rewards Program.
     
     Rewards Account
     
     An account within the Rewards Program that holds, calculates and/or
     collects Rewards.
     
     Rewards
     
     The following items that You can earn by participating in the Program:
     
      * Cash Rewards (including Rebates which will be earned as Cash Rewards)
     
      * Points

 2.  The Program Terms and Conditions and Addendum(s) represent the Program’s
     complete terms (collectively "Terms"), including any additional terms and
     conditions that We reference within these Terms and any promotional terms
     and conditions for earning bonus Rewards. This Program is not available for
     products, promotions, or offers unless specifically allowed.  Rewards only
     have cash value when You redeem them.
 3.  By participating in this Program, You agree to these Terms and acknowledge
     that You must also consent to certain agreements for online use of Your
     account.
 4.  You can earn unlimited Cash Rewards, unless We tell You otherwise.  You
     earn two cents ($0.02) Cash Rewards for every $1 You spend with this Credit
     Card for net purchases (purchases minus returns/credits). We round the
     amount to the nearest one cent. You may also earn bonus Cash Rewards for
     promotions or offers connected to Your Credit Card account. We will let You
     know the terms and conditions for earning bonus Cash Rewards when We have a
     promotion or offer for Your Credit Card. There may be a limit on bonus Cash
     Rewards.
 5.  You do not earn Cash Rewards on some transactions.  Examples of
     transactions which do not earn Cash Rewards:
     
     Cash Advances and Equivalents of Any Kind
     
     ATM transactions, cash advances, traveler’s checks, money orders, pre-paid
     gift cards, wire transfers
     
     Balance Transfers
     
     Balance Transfers, SUPERCHECKSTM
     
     Disputes, Illegal Actions, and Violations
     
     Disputed or illegal purchases, purchases that violate the terms of Your
     Credit Card account agreement or the Wells Fargo Rewards Program Terms and
     Conditions or Addendum
     
     Fees and Interest of Any Kind
     
     Fees or interest posted to Your Credit Card account such as returned
     payment fees, late fees, monthly or annual fees
     
     Gambling Transactions of Any Kind
     
     Bets or wagers transmitted over the internet, casino gaming chips, lottery
     tickets, off-track wagers

 6.  If You return a purchase or get a credit from a disputed purchase, these
     situations may reduce or eliminate Cash Rewards You have earned and may
     cause a negative Cash Rewards balance. Deducted Cash Rewards will appear in
     Your Rewards Account in 1 to 2 billing periods.
 7.  Cash Rewards do not expire while this Credit Card account is open.
 8.  You can earn Rewards in a variety of ways, including purchases made with
     Your Credit Card at qualifying merchants, other promotions or offers, or
     through transfers or gifts.
 9.  You can redeem Your Rewards for a variety of uses that include cash
     redemption options, charitable donations, merchandise, physical and
     electronic gift cards, or travel.
 10. Manual redemptions made by phone or online are redeemable in $0.01/1 Point
     increments. Automatic or paper check redemptions made online or by phone
     are redeemable in $25/2,500 Point increments only and can be done either by
     automatically applying it to Your eligible Wells Fargo Checking or Savings
     accounts, or Wells Fargo credit products that are qualified to receive cash
     redemptions, or by requesting a paper check. Point redemptions via a
     withdrawal from a Wells Fargo ATM or a Rewards redemption to an eligible
     Wells Fargo account from a Wells Fargo ATM are redeemable in $20/2,000
     Point increments only. You must have a Wells Fargo Debit or ATM card in
     order to redeem Rewards at a Wells Fargo ATM.
 11. We can change the Terms and change, suspend, or terminate any part of the
     Program at any time and for any reason. These changes may prevent You from
     earning and/or using Rewards, decrease Rewards value, or cause You to lose
     Rewards. We will notify You in advance in writing when We make material
     changes to Your Terms or Program. You must redeem Your Rewards within three
     months from the date We notify You of the discontinuation. You will lose
     any unredeemed Rewards remaining after the three-month period.
 12. We can immediately suspend or disqualify You from the Program, in whole or
     in part, at any time and for any reason. We will suspend or disqualify You
     from the Program if You violate these Terms or Your Credit Card terms and
     conditions, engage in fraud or suspected fraud or someone associated with
     Your account does so, misuse or gaming the Program or if You take another
     similar action, according to Us in Our sole discretion. If We suspend or
     cancel Your Program, this action may prevent You from earning and/or using
     Rewards, decrease Rewards value, cause You to lose Rewards, and/or require
     Us to close Your Credit Card.
 13. A Credit Card becomes delinquent when You do not make a required payment by
     its due date. When this happens, Your ability to earn and redeem Rewards
     changes until the Credit Card is not delinquent or closes.  The Rewards
     associated with that Credit Card are not available for redemption, transfer
     or gifting.
 14. If You want to cancel Wells Fargo Rewards, You must close Your Credit Card
     account. If the Credit Card that closes is the last Credit Card in Your
     Rewards Account any Rewards Pending or Rewards in Your Rewards Account on
     the date the Account closed will be forfeited except as provided for in the
     Wells Fargo Rewards Program Terms and Conditions. If You have multiple
     Credit Cards tied to Your Rewards Account and You close one of the Credit
     Cards, Your Rewards will remain in Your Reward Account.
 15. These Terms are only a summary. Other restrictions and requirements apply.
     The full Wells Fargo Rewards Program Terms and Conditions and Addendum for
     the Wells Fargo Active Cash Visa® Card will be provided upon enrollment.
     You can also find the most current Wells Fargo Rewards Program Terms and
     Conditions online at wellsfargo.com/rewardsterms.

QSR-0622-01995


 * Privacy, Cookies, Security & Legal
 * Notice of Data Collection
 * General Terms of Use
 * Ad Choices
 * Report Fraud
 * Sitemap
 * About Wells Fargo
 * Careers
 * Diversity and Accessibility
 * Home

© 1999 - 2023 Wells Fargo. NMLSR ID 399801

 
Comienzo de ventana emergente



ESTA PÁGINA SOLO ESTÁ DISPONIBLE EN INGLÉS

Selecione Cancele para permanecer en esta página o Continúe para ver nuestra
página principal en español.

Cancele Continúe
Fin de ventana emergente

Navegó a una página que no está disponible en español en este momento.
Seleccione el enlace si desea ver otro contenido en español.

Página principal