Wells Fargo Active Cash Card (USA) – Ek Simple aur Rewarding Credit Card

 # Wells Fargo Active Cash Card (USA) – Ek Simple aur Rewarding Credit Card

Namaste doston! Agar aap ek aisa credit card dhoondh rahe hain jo simple ho, no annual fee wala ho, aur har purchase pe solid rewards de, toh **Wells Fargo Active Cash Card** aapke liye perfect ho sakta hai. Yeh card apko unlimited 2% cash rewards deta hai har purchase pe, without any complicated categories ya limits. Is article mein hum is card ke baare mein detail mein baat karenge – iske benefits, kaise apply karna hai, eligibility criteria, aur bhi bohot kuch. So, chalo shuru karte hain!

## Wells Fargo Active Cash Card Kya Hai?

Wells Fargo Active Cash Card ek no-annual-fee credit card hai jo USA mein kaafi popular hai. Yeh card apko har purchase pe 2% cash back deta hai, without any hassle of tracking categories ya activating offers. Iska matlab, aap grocery shopping karen, online kharidari karen, ya kahin travel karen, har jagah aapko 2% cash rewards milenge. Iske alawa, yeh card kuch aur bhi exciting benefits offer karta hai, jaise welcome bonus, intro APR, aur cell phone protection.

### Key Features of Wells Fargo Active Cash Card

- **Unlimited 2% Cash Rewards**: Har purchase pe 2% cash back, no caps ya categories ke jhanjhat ke bina.

- **Welcome Bonus**: Pehle 3 months mein $500 spend karne pe $200 cash rewards bonus.

- **0% Intro APR**: 12 months ke liye purchases aur qualifying balance transfers pe 0% intro APR (fir 19.24%, 24.24%, ya 29.24% variable APR).

- **Cell Phone Protection**: Agar aap apna monthly phone bill is card se pay karte hain, toh $600 tak ka coverage milta hai (per claim, $25 deductible ke saath).

- **No Annual Fee**: Yeh card bilkul free hai, koi annual fee nahi.

- **Visa Signature Perks**: Visa Concierge service aur Luxury Hotel Collection ke benefits.

Yeh card un logon ke liye perfect hai jo ek straightforward rewards card chahte hain, jisme complicated rules na ho.[](https://www.nerdwallet.com/article/credit-cards/wells-fargo-active-cash-card-should-you-get-it)[](https://www.nerdwallet.com/reviews/credit-cards/wells-fargo-active-cash)

## Kaise Apply Karein Wells Fargo Active Cash Card Ke Liye?

Wells Fargo Active Cash Card ke liye apply karna bohot easy hai. Aap online ya Wells Fargo branch mein jaake apply kar sakte hain. Yahan step-by-step process hai:

1. **Official Website Pe Jayein**: Wells Fargo ki official website (www.wellsfargo.com) pe jao aur “Credit Cards” section mein Active Cash Card select karo.

2. **Application Form Bharo**: Apna personal info jaise naam, address, date of birth, aur income details daalo.

3. **Credit Check**: Wells Fargo aapka credit score check karega. Usually, is card ke liye 670 ya usse zyada FICO score chahiye.

4. **Terms and Conditions Accept Karo**: Application submit karne se pehle terms padh lo, especially APR aur fees ke baare mein.

5. **Approval ka Wait Karo**: Agar aap eligible hain, toh approval jaldi mil jata hai, aur card 7-10 din mein deliver ho jata hai.

**Pro Tip**: Agar aapka credit score low hai, toh pehle apna score improve karne pe focus karo, jaise on-time payments aur credit utilization ratio 30% se kam rakhna.[](https://www.cnbc.com/select/wells-fargo-active-cash-card-credit-score/)

## Important Documents for Applying

Wells Fargo Active Cash Card ke liye apply karte waqt aapko kuch basic documents aur information ready rakhni hogi:

- **Personal Information**: Full name, address, date of birth, aur Social Security Number (SSN).

- **Income Details**: Aapki annual income ya employment details.

- **ID Proof**: Driver’s license ya koi government-issued ID.

- **Credit History**: Aapka credit score check kiya jayega, so ensure it’s in good shape.

**Note**: Agar aapne last 6 months mein koi aur Wells Fargo card open kiya hai, toh aapko is card ke liye approval milne mein thodi dikkat ho sakti hai.[](https://www.wellsfargo.com/credit-cards/active-cash/terms/)[](https://www.cnbc.com/select/wells-fargo-active-cash-card-credit-score/)

## Eligibility Criteria for Wells Fargo Active Cash Card

Is card ke liye eligible hone ke liye aapko kuch criteria meet karne honge:

- **Credit Score**: Usually, 670 ya usse zyada FICO score chahiye (good to excellent range).

- **Age**: Aapki umar 18 saal se zyada honi chahiye.

- **Residency**: Aapko USA ka resident hona chahiye.

- **Income**: Stable income source hona chahiye, taaki aap card ke payments manage kar sako.

- **No Recent Wells Fargo Card**: Agar aapne last 6 months mein Wells Fargo ka koi aur card open kiya hai, toh aap eligible nahi honge.

Agar aapka credit score thoda low hai, toh Experian Boost jaise tools use karke apna score improve kar sakte hain.[](https://www.cnbc.com/select/wells-fargo-active-cash-card-credit-score/)

## Additional Benefits of Wells Fargo Active Cash Card

Is card ke aur bhi bohot se benefits hain jo isko ek solid choice banate hain:

- **Flexible Redemption Options**: Aap apne cash rewards ko statement credit, Wells Fargo ATM withdrawal ($20 increments mein), direct deposit, ya gift cards ke roop mein redeem kar sakte hain.[](https://www.nerdwallet.com/reviews/credit-cards/wells-fargo-active-cash)

- **Cell Phone Protection**: Monthly phone bill is card se pay karne pe $600 tak ka coverage (do claims per year, $25 deductible).[](https://www.nerdwallet.com/article/credit-cards/wells-fargo-active-cash-card-should-you-get-it)

- **Visa Signature Benefits**: 24/7 concierge service, Luxury Hotel Collection ke saath room upgrades, aur free breakfast jaise perks.[](https://www.bankrate.com/credit-cards/reviews/wells-fargo-active-cash-benefits-guide/)

- **Zero Liability Protection**: Fraudulent transactions ke liye aap responsible nahi honge, agar aap jaldi report karte hain.[](https://clark.com/credit-cards/wells-fargo-active-cash-review/)

- **Credit Close-Up**: Free monthly FICO score updates aur personalized credit insights.[](https://www.cnbc.com/select/well-fargo-active-cash-is-it-worth-it/)

**Cons**: Yeh card international travel ke liye thoda weak hai kyunki isme 3% foreign transaction fee hai. Agar aap abroad zyada travel karte hain, toh koi aur card consider karo.[](https://www.cgaa.org/article/wells-fargo-active-cash-card-foreign-transaction-fee)

## FAQs About Wells Fargo Active Cash Card

### Q1: Wells Fargo Active Cash Card ka annual fee kitna hai?

**Ans**: Iska koi annual fee nahi hai. Yeh ek no-annual-fee card hai, jo isko budget-friendly banata hai.

### Q2: Kya yeh card international purchases ke liye acha hai?

**Ans**: Nahi, is card mein 3% foreign transaction fee hai, toh international purchases ya travel ke liye yeh best nahi hai. Agar aap abroad zyada spend karte hain, toh koi no-foreign-transaction-fee card dekho.[](https://www.cgaa.org/article/wells-fargo-active-cash-card-foreign-transaction-fee)

### Q3: Welcome bonus kaise milta hai?

**Ans**: Pehle 3 months mein $500 spend karne pe aapko $200 cash rewards bonus milta hai, jo Go Far® Rewards ke roop mein redeem hota hai.[](https://www.cardratings.com/credit-card/wells-fargo-active-cash-visa-credit-card.html)

### Q4: Kya is card ke rewards expire hote hain?

**Ans**: Nahi, jab tak aapka account open hai, rewards expire nahi hote.[](https://wallethub.com/d/wells-fargo-active-cash-card-3346c)

### Q5: Cell phone protection kaise kaam karta hai?

**Ans**: Agar aap apna monthly phone bill is card se pay karte hain, toh phone damage ya theft hone pe $600 tak ka coverage milta hai (per claim, $25 deductible ke saath). Maximum 2 claims per year.[](https://www.nerdwallet.com/article/credit-cards/wells-fargo-active-cash-card-should-you-get-it)

## Conversational Keywords

- Wells Fargo Active Cash Card

- 2% cash back credit card

- No annual fee credit card

- Welcome bonus credit card

- Cell phone protection credit card

- 0% intro APR card

- Visa Signature benefits

## Why Choose Wells Fargo Active Cash Card?

Agar aap ek simple, no-fuss credit card chahte hain jo har purchase pe consistent rewards de, toh Wells Fargo Active Cash Card ek shandaar option hai. Iska 2% unlimited cash back, welcome bonus, aur cell phone protection jaise perks isko bohot valuable banate hain. Bas international travel ke liye thoda soch samajh ke use karo, kyunki foreign transaction fee thodi dikkat de sakta hai.

Toh, kya aap is card ke liye apply karne ka soch rahe hain? Ya aapke paas koi aur favorite cash back card hai? Comment mein zaroor batayein! Aur agar aapko apply karna hai, toh Wells Fargo ki website pe jao ya unke customer care (1-866-229-6633) se contact karo for more details.[](https://www.wellsfargo.com/credit-cards/active-cash/terms/)

**Disclaimer**: Yeh information December 2024 tak ke data pe based hai. Credit card terms aur conditions change ho sakte hain, isliye latest details ke liye Wells Fargo ki official website check karein.[](https://www.wellsfargo.com/credit-cards/active-cash/terms/)