The Wells Fargo Active Cash Card is an outstanding choice for anyone looking for a top-tier credit card. With its unlimited 2% cash rewards rate on purchases and no annual fee, it’s a strong contender for the title of best flat-rate cash-back card on the market.
What sets this card apart is its exceptional 0% intro APR offer. You’ll get 15 months of 0% interest on purchases and qualifying balance transfers, which is longer than most other cards offer. This makes it a great choice for anyone looking to make a big purchase or consolidate high-interest debt.
The card also comes with a host of other benefits, including cell phone protection, which can save you up to $600 if your phone is damaged or stolen. You’ll also get a $200 cash rewards bonus after making $1,000 worth of purchases in the first three months.
The Wells Fargo Active Cash Card also offers a premium collection of benefits through Visa Signature Concierge, which provides exclusive access to some of the world’s most intriguing and prestigious hotel properties.
But what really sets this card apart is its ease of use. There are no categories to track or quarterly activations to worry about, and your cash rewards never expire as long as your account remains open. Plus, with advanced security features like voice verification and 2-step verification at sign-on, you can rest easy knowing your account information is secure.
If you’re looking for a top 0% APR credit card that offers unlimited cash rewards and a host of other benefits, the Wells Fargo Active Cash Card is the way to go. With its unbeatable combination of rewards and perks, it’s an excellent choice for anyone looking to make the most of their spending.
Why Wells Fargo Active Cash Card?
Credit cards can be a great tool to earn rewards on everyday purchases and make large purchases more manageable. However, carrying a balance can come with high-interest rates that can quickly add up over time. That’s why finding a credit card with a 0% introductory APR can be a game-changer. The Wells Fargo Active Cash card is an excellent choice for anyone looking for a top 0% APR credit card, thanks to its cash rewards program and lack of an annual fee.
One of the most significant benefits of the Wells Fargo Active Cash card is its cash rewards program. Cardholders earn an unlimited 2% cashback rate on all purchases, which makes it competitive with some of the best flat-rate cashback cards on the market. Unlike other cashback cards that may have rotating categories, the Wells Fargo Active Cash card offers consistent rewards, making it easy to track and manage your earnings. Additionally, the cash rewards do not expire as long as the account remains open, so you can accumulate rewards over time and use them when you’re ready.
Another benefit of the Wells Fargo Active Cash card is its lack of an annual fee. Many credit cards charge an annual fee, which can eat into any rewards earned and negate the benefits of the card. The Wells Fargo Active Cash card eliminates this issue, allowing cardholders to earn rewards without any additional costs.
The Wells Fargo Active Cash card also has a 0% intro APR on purchases and balance transfers for the first 15 months after the account is opened. This can be a useful tool for consolidating existing credit card debt or making large purchases that may take time to pay off. Once the introductory period ends, the card’s regular APR will kick in, and interest will be charged on any remaining balance. It’s important to keep in mind that balance transfers made within 120 days (6 months) of account opening qualify for the intro rate and fee.
The Wells Fargo Active Cash card offers additional benefits in addition to cash rewards and a 0% introductory APR, including Visa Signature Concierge, cell phone theft, and damage insurance when your eligible Wells Fargo card is used to pay your monthly cell phone bill (subject to a $25 deductible), and advanced security features like Voice Verification and 2-step Verification at sign-on.
Overall, the Wells Fargo Active Cash card is an excellent choice for anyone looking for a top 0% APR credit card. Its cash rewards program, lack of an annual fee, and other benefits make it a competitive option for everyday purchases and large purchases alike. With a 0% intro APR on purchases and qualifying transfers for the first 15 months after an account is opened, the Wells Fargo Active Cash card can also be a good way to handle credit card debt.
What Does 0% APR Mean?
When you’re shopping for a new credit card, you’ve probably come across the term “0% APR.” But what does it mean? And how can a 0% APR credit card benefit you?
APR stands for Annual Percentage Rate. It’s the interest rate charged on your credit card balance, expressed as a percentage of the total amount owed. If you carry a balance on your credit card, you’ll be charged interest on that balance each month, which adds up over time. But a 0% APR credit card offers something different: no interest charges.
A 0% APR credit card typically refers to an introductory 0% APR, or “0% intro APR.” These offers are designed to entice new cardholders to sign up by providing a period of time, typically six to 18 months, during which no interest is charged on purchases or balance transfers. This can be especially helpful if you’re carrying high-interest debt on another credit card or planning a large purchase that you want to pay off over time.
But it’s important to remember that the 0% APR offer is only temporary. Once the introductory period ends, the card’s regular APR will apply, which can be significantly higher than the introductory rate. So it’s crucial to read the fine print and understand the terms before signing up for a new credit card.
When considering a 0% APR credit card, you should also keep in mind that not all offers are created equal. Some cards may only offer 0% APR on purchases, while others may offer it on both purchases and balance transfers. Some may charge a balance transfer fee, which can eat into your savings, while others may not.
It’s also important to consider your own financial situation and whether a 0% APR credit card is right for you. If you’re carrying high-interest debt, a 0% APR card can be a useful tool for paying it down without accruing more interest. But if you don’t have the plan to pay off your balance before the introductory period ends, you could end up with a higher balance and more debt than you started with.
In conclusion, a 0% APR credit card can be a valuable tool for managing your finances and paying down debt. But it’s important to understand the terms and conditions of any offer before signing up and to have a plan for paying off your balance before the introductory period ends. With the right approach, a 0% APR credit card can help you save money and achieve your financial goals.