Wells Fargo Active Cash Visa® Card Terms and Conditions

Thank you for your interest in opening a Wells Fargo Active Cash Account.

IMPORTANT DISCLOSURES
Interest Rates and Interest Charges
0.00% introductory APR for 12 months from date of account opening.
Annual Percentage Rate (APR)
for Purchases After that, your APR will be 19.24%, 24.24%, or 29.24%,
based on your creditworthiness. This APR will vary with the market
based on the U.S. Prime Rate.
0.00% introductory APR for 12 months from date of account opening.
After that, your APR will be 19.24%, 24.24%, or 29.24%, based on your
Annual Percentage Rate (APR) creditworthiness. This APR will vary with the market based on the U.S.
for Balance Transfers 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 29.99%
Overdraft Protection Advances
This APR will vary with the market based on the U.S. Prime Rate.
Your due date is at least 25 days after the close of each billing period. We
How to Avoid Paying Interest on
will not charge you interest on purchases if you pay your entire balance by
Purchases
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 Co To learn more about factors to consider when applying for or using a credit
nsumer Financial Protection Bur card, visit the website of the Consumer Financial Protection Bureau at http
eau s://www.consumerfinance.gov/learnmore.*
Fees
Annual Fee None
Transaction Fees
Introductory fee of either $5 or 3% of the amount of each balance
• Balance Transfers transfer, whichever is greater, for 120 days from account opening.
After that, up to 5% for each balance transfer, with a minimum of $5.
Either $10 or 5% of the amount of each advance, whichever is
• Cash Advances
greater.
• Foreign Currency
Conversion/Foreign 3% of each transaction converted to U.S. dollars.
Transaction
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.
We will begin charging interest on cash advances and balance transfers on the transaction date.

Important Information About Balance Transfer(s)

Balance transfers are contingent on approval of your account.

You cannot transfer a balance from any account issued by Wells Fargo or any of its affiliates.
The total amount of your balance transfer request(s), including fees, cannot exceed your available credit.
If your request(s) exceed your available credit, we may send less than the amount requested, or no
amount, to your creditor.
It will take about two weeks to complete the processing of your balance transfer request(s). If you decide
to cancel a balance transfer request, please contact us at 1-800-642-4720 immediately and prior to
confirming your card.
Balance transfers do not earn rewards.
Table of Contents
In this application, "the Bank," "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A. "You" and "your"
mean each person who applied for and received a Wells Fargo Credit Card account.

Please note: Information about the credit card Account’s interest rates, interest charges, and fees is correct as
of December 2024. This information may have changed after that date. To learn of any changes, call 1-866-229-
6633.

Part 1: Important Details About Using This Credit Card Account

1. What is this application for?

2. What do you agree to by applying for this credit card account?
3. Will you qualify if you have or have had more than one Wells Fargo Credit Card account?
4. What procedures do we use to verify your identity when you open an Account?
5. How do we review this application?
6. What should you do once you receive your new card?
7. What is the minimum credit limit?
8. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?
9. How do we calculate your variable APRs?
10. How do we apply your payments?
11. How does Overdraft Protection work?
12. How do we verify information from phone service providers?
13. How and why can we contact you?
14. What happens if your contact information changes?
15. How is the credit card law different for Ohio residents?
16. How is the credit card law different for married Wisconsin residents?
17. How does the $200 Cash Rewards bonus work?
18. What is Cellular Telephone Protection?

Part 2: Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active
Cash Visa® Card Addendum

1. What do you earn by participating in the Program?

2. How do we calculate Cash Rewards?
3. How do you earn or accumulate Cash Rewards?
4. Which transactions do not earn Cash Rewards?
5. What can reduce or eliminate your Cash Rewards?
6. Do Cash Rewards expire?
7. What can you redeem your Rewards for?
8. How can you redeem Cash Rewards?
9. What happens to your Cash Rewards if you pay your Credit Card late?
10. Can we change these Terms and the Program?
11. Can we stop you from participating in the Program?
12. Can you cancel your Cash Rewards Program?

Part 1: Important Details About Using This Credit Card Account

1. What is this application for?

This application is for a credit card account with Wells Fargo Bank, N.A.

2. What do you agree to by applying for this credit card account?

Correct Information
You agree that all the information you provided in this application is true, correct, and complete.

Legal Capability
You agree that you can legally enter into the Consumer Credit Card Customer Agreement and Disclosure
Statement (Agreement).

Marital Status
Regardless of your marital status, you are applying for a credit card account in your own name.

Account Agreement
You agree to the terms and conditions of the Agreement which will be sent to you. You can also access the
Agreement by accessing this link:
https://www.wellsfargo.com/credit-cards/agreements/active-cash-agreement/.
Please note that the Agreement’s terms may change at any time, subject to applicable law.

Arbitration Terms

You agree to the arbitration terms included in the Agreement. You can access the arbitration terms by
accessing this link:
https://www.wellsfargo.com/credit-cards/agreements/active-cash-agreement/.

Financial Liability
By using this account, you are financially liable (responsible) for any amount you charge or authorize another
to charge, including any amounts by any authorized users.

Verification
By applying for this credit card account, you agree that we may:

Verify or check any of the information you give us

Obtain credit reports about you
Investigate your credit, employment, and income history
Investigate your state records, including state employment security agency records
Report information about your account to consumer reporting agencies

You also agree that we may obtain a consumer report from consumer reporting agencies to do the following:

Consider your application

Update, renew, extend credit, review, or collect money on this Account

Upon your request, we will tell you the name and address of each consumer reporting agency that provides
us a consumer report about you.

3. Will you qualify if you have or have had more than one Wells Fargo Credit Card account?
 You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-
branded credit card in the last 6 months.

Eligibility for introductory rates, fees and/or rewards bonus offers.

You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you
have the Wells Fargo Active Cash Visa® or opened one within the last 48 months from the date of this
application - even if that account is closed and has a $0 balance.

4. What procedures do we use to verify your identity when you open an Account?

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.

5. How do we review this application?

You agree that we can review your criteria to determine which products you qualify for and how much credit
we will give you. Further, you agree that we will give you the product and pricing you qualify for.

6. What should you do once you receive your new card?

As soon as your new card arrives, please confirm with us that you received it. You can confirm your card by
using one of many convenient methods that we provided with your card.
If you do not confirm your card, your requests for certain services may be delayed, such as:
Balance transfers
Overdraft Protection
Wells Fargo Online®
ATM access
Further, you may also be denied access to your Account.

7. What is the minimum credit limit?

The minimum credit limit is $1,000.00.

8. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?
If you are applying for an additional card, then you agree that we can distribute your credit limits between
each card if:

You already have a Wells Fargo Credit Card account that has no current balance, and
You have not used the Wells Fargo Credit Card account for any reason within the past six months.

Please note: You can change or re-distribute your credit limits on your own by calling Customer Service any
time at the number listed on the back of your card. Certain restrictions may apply.

9. How do we calculate your variable APRs?

A variable APR is an interest rate that varies with the market based on the U.S. Prime Rate. To calculate your
variable APR for each billing period, we use the U.S. Prime Rate and add a margin.

How We Determine the U.S. Prime Rate

Each billing period, we use the U.S. Prime Rate that the Wall Street Journal publishes in its Money Rates
section three business days before your billing statement’s closing date. When more than one U.S. Prime
Rate exists, we use an average. If the U.S. Prime Rate is not published or available (temporarily or
 permanently), we use a substitute index that we believe is similar to the U.S. Prime Rate. We do so at our
sole discretion.
As of 03/18/2025, the U.S. Prime Rate is 7.50%.

How We Calculate Your Variable APR

We use the following margins:

For purchases and balance transfers: We add either 11.74%, 16.74%, or 21.74% to the U.S. Prime Rate.
Your creditworthiness determines the percentage we use. The Maximum APR is 29.99%.
For cash advances and overdraft protection advances: We add 22.74% to the U.S. Prime Rate. The
Maximum APR is 29.99%.

We reserve the right to change terms, APRs, and fees at our discretion by following your Agreement and as
allowed by applicable law.

Please note: You may not qualify for the lowest APR described. We review your credit report, information
provided in your application, and other available relevant information to determine your APRs.

10. How do we apply your payments?

Minimum Payment
Generally, we process your minimum payment in the following order:

1. Lower APR balances (such as purchases)

2. Higher APR balances (such as cash advances)

Amounts in Excess of the Minimum Payment

If you pay more than your required minimum payment, generally we apply the excess first to the higher APR
balances and then to lower ones.

11. How does Overdraft Protection work?

You can choose whether to link your Account to your Wells Fargo checking account for Overdraft Protection.
To enroll, visit us online at: www.wellsfargo.com/credit-cards/features/overdraft-protection/.
If you choose to enroll, you can link to an account where you are either the sole owner or a joint owner.

Joint Checking Accounts

If you link to a joint Wells Fargo checking account, then you are responsible for all Overdraft Protection
Advances from your credit card, including interest and charges. This responsibility applies regardless of
who:
Writes the check,
Purchases items with the debit card, or
Engages in any other transaction that causes the overdraft

When Interest Charges Begin

Interest will begin to accrue on each date that an advance is made.

Credit Card Confirmation Required

You must confirm that you received your credit card. If you do not confirm your card, no money will transfer
to cover the overdraft. Please allow up to three business days to fully enable your Overdraft Protection
service once you confirm your credit card. Refer to the Agreement for details. You may be able to protect
your Account against overdraft with other less costly options.

For more information about Overdraft Protection, please visit the following webpages:
 Using Your Card for Overdraft Protection:www.wellsfargo.com/credit-cards/features/overdraft-
protection/
Other Overdraft Protection Options:www.wellsfargo.com/checking/overdraft-services/

12. How do we verify information from phone service providers?

You agree that we may contact your past, present, and future phone service providers to verify information
that you gave us including any phone numbers against their records about you (such as name, address and
account status).

13. How and why can we contact you?

You agree that we have your consent to contact you at any phone number, email address, or mailing address
you provide for any Wells Fargo account or at any number that you call us from or at any number that we
obtain by other means. If you provided a phone number(s), you agree that you are authorized to provide this
phone number(s) and agree to receive calls and text messages from Wells Fargo at this number(s) for all
your current and future Wells Fargo products and services. This does not give Wells Fargo permission to call
or text you for marketing purposes. Message and data rates may apply. Message frequency varies.
Automated systems, including prerecorded or artificial voice may be used.

14. What happens if your contact information changes?

You must promptly contact us if you change any of the contact information you provided us. This
information includes your:
Name
Email addresses
Mailing address
Phone numbers

15. How is the credit card law different for Ohio residents?
Notice: 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.

16. How is the credit card law different for married Wisconsin residents?
Notice: 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.

17. How does the $200 Cash Rewards bonus work?

How You Qualify
You qualify for the $200 Cash Rewards bonus when you make at least $500 in net purchases that post to
your account within 3 months from the date you opened your account. A net purchase is the amount that
remains after any returns or credits.

When You Redeem Cash Rewards Bonus

Your Cash Rewards bonus posts to your Account within one to two billing periods after you earn it.

What Does Not Earn Cash Rewards Bonus

Cash Advances and Any Kind of Equivalents
ATM transactions
 Cash advances
Money orders
Pre-paid gift cards
Traveler’s checks
Wire transfers
Balance Transfers
Balance transfers
SUPERCHECKSTM
Disputes and Illegal Transactions
Disputed or illegal purchases
Purchases that violate these Terms or Addendum, or Credit Card Account agreement terms
Fees and Interest
Any fees or interest that post to your Credit Card Account, such as:

Annual or monthly fees

Late fees
Returned payment fees
Gambling Transactions
Any gambling transactions you make, including:

Bets or wagers made online

Casino gaming chips
Lottery tickets
Off-track wagers

For a complete summary of the Cash Rewards Program, refer to Part 2 of this document, Summary of the
Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum.

18. What is Cellular Telephone Protection?

As a cardholder, you may be able to receive Cellular Telephone Protection. This coverage is a supplemental
insurance policy. That means the policy is in addition to and supplemental to other insurance policies or
protection that you may have, such as:

Cellular wireless telephone insurance programs

Insurance policies for homeowners, renters, automobiles, or employers

Coverage is provided after you use all other available insurance or protection, and it is subject to this policy’s
terms, conditions, exclusions, and coverage limits of this benefit.

Coverage Purpose
This coverage can reimburse you (pay you back) for the cost to repair or replace your Cell Phone if it is ever

Damaged

Stolen

Unable to be recovered as a result of Involuntary and Accidental Parting

"Involuntary and Accidental Parting" means that you have an unintended separation from your Cell Phone,
and you know its location but cannot recover it.

This coverage applies to all Cell Phones that appear on your Wireless Bill.
"Wireless Bill" means your Cell Phone providers’ monthly billing statement that includes charges for your
data, cellular service, or Cell Phone installment payments.

How to Receive This Coverage

You must use your covered Wells Fargo Credit Card to pay your monthly Wireless Bill.

When the Charge Must Post to Your Covered Account

Your Wireless Bill charge must post to your covered Wells Fargo Credit Card Account one month before your
Cell Phone is damaged, stolen, or unrecoverable due to Involuntary and Accidental Parting.

The coverage does not apply if you pay your bill using any of the following:

Wells Fargo Debit Card

Wells Fargo Business Credit Card

Wells Fargo Commercial Card

The card that you link to your Line of Credit

Coverage Timing
When Coverage Starts: The first day of the calendar month after you pay your first Wireless Bill using
your covered Wells Fargo Credit Card

How Long Coverage Lasts: As long as you continue charging your monthly Wireless Bill to your
covered Wells Fargo Credit Card

Claims Frequency and Reimbursement Amounts

In a twelve-month period, we will pay up to two claims that reimburse you the cost to repair or replace your
original Cell Phone. We will reimburse you up to $600 per claim and a maximum of $1200 per twelve-month
period. Your reimbursement will be whichever of the following amounts is less:

The cost to repair the Cell Phone, minus your deductible.

The cost to replace the Cell Phone with similar features and functionality at the current market value at
the time of loss, minus your deductible.

$600 per claim.

Deductible Amount
You pay a $25 deductible that we subtract from your reimbursement of the cost to repair or replace your Cell
Phone.

Examples of What We Do Not Cover

This benefit only covers damage that affects your Cell Phone’s capabilities or functionality and does not
cover:

Cosmetic damage

Cracked screens

Scratches
For the complete Cellular Telephone Protection coverage benefits, limitations, and exclusions, go to:
www.wellsfargo.com/credit-cards/active-cash/guide-to-benefits/. Virginia Surety Company, Inc. provides this
Cellular Telephone Protection.
 Please note: We encourage you to set up automatic payments with your cellular provider. We do not require
you to do so to qualify for Cellular Telephone Protection. However, to receive this Coverage, you must have
paid your Wireless Bill with your covered Wells Fargo Credit Card in the month before your Cell Phone was
either stolen, lost, or damaged.

Part 2: Summary of the Wells Fargo Rewards® Program Terms and Conditions and the
Wells Fargo Active Cash Visa® Card Addendum

Effective: December 10, 2023

These Wells Fargo Rewards Program Terms and Conditions Summary and Addendum (collectively called
Terms) are only a summary of the full Terms. Other restrictions and requirements apply. If you are approved for
the Wells Fargo Active Cash Visa Card, we will provide you with the full Terms.

You can also find the most current Terms online at wellsfargo.com/rewardsterms.

In this information, "you" and "your" mean each person who owns a Wells Fargo Credit Card (Credit Card) and
participates in its Wells Fargo Rewards® (Program), according to our records. "Wells Fargo," "we," "our," and "us"
refer to Wells Fargo Bank, N.A.

The Terms

Represent all the Program’s terms and conditions for our credit card
Include any additional terms and conditions we reference
Include any promotional terms and conditions for earning bonus Rewards

We may add Addendums to these Terms and may also address the following:

Rewards Expiration
Rewards Forfeiture
Rewards Earnings and Limitations

By participating in this Program, you agree to these Terms. You also acknowledge that you must consent to
certain agreements to use your account online.

Please note: This Program is not available for products, promotions, or offers unless we specifically allow it.

1. What do you earn by participating in the Program?

In this Program, you have a Rewards Account, which holds, calculates, or collects Rewards. These Rewards
can be either Cash Rewards (including Rebates, which you will earn as Cash Rewards) or Points. Rewards
only have cash value when or after you redeem them.

2. How do we calculate Cash Rewards?

For every $1.00 you spend with this Credit Card for net purchases, you earn two cents ($0.02) in Cash
Rewards. Net purchases are purchases you make minus any returns and/or credits you have. We round the
amount to the nearest whole dollar.

3. How do you earn or accumulate Cash Rewards?

You can earn unlimited Cash Rewards, unless we tell you otherwise. You can do so in a variety of ways,
including:
 Credit Card Purchases
At qualifying merchants
With other promotions or offers that we provide you
Non-Credit Card Activity
Gifts
Transfers
Other similar activity
Promotions and Offers
You may also earn bonus Cash Rewards for promotions or offers that you have with your Credit Card
Account. We will give you the terms and conditions for earning bonus Cash Rewards when your Credit Card
has a promotion or offer. A limit may exist on bonus Cash Rewards.

4. Which transactions do not earn Cash Rewards?

The following transactions do not earn Cash Rewards for your Account:

Cash Advances and Any Kind of Equivalents

ATM transactions
Cash advances
Money orders
Pre-paid gift cards
Traveler’s checks
Wire transfers

Balance Transfers
Balance transfers
SUPERCHECKSTM

Disputes and Illegal Transactions

Disputed or illegal purchases
Purchases that violate these Terms or Addendum, or Credit Card Account agreement terms

Fees and Interest

Any fees or interest that post to your Credit Card Account, such as:
Annual or monthly fees
Returned payment fees
Late fees

Gambling Transactions
Any gambling transactions you make, including:
Bets or wagers made online
Casino gaming chips
Lottery tickets
Off-track wagers

5. What can reduce or eliminate your Cash Rewards?

 You will lose earned Cash Rewards if you return a purchase or receive credit from a disputed purchase. As a
result, you may create a negative Cash Rewards balance, which will appear in your Rewards Account within
one to two billing periods. We will calculate this negative balance into your Rewards Balance as you continue
to buy items or do other non-credit card activity.

6. Do Cash Rewards expire?

Cash Rewards do not expire while the Credit Card Account is open.

7. What can you redeem your Rewards for?

You can redeem your Rewards for a variety of uses, including:
Cash redemption
Physical and electronic gift cards
Charitable donations
Travel
Merchandise
Pay with Rewards (PWR) at PWR Merchants

8. How can you redeem Cash Rewards?

You can redeem Cash Rewards in the following ways:
By phone or online
You can redeem Cash Rewards in $25 increments. You can request a paper check or automatically
apply them to either your:
Eligible Wells Fargo Checking or Savings accounts, or
Wells Fargo credit products that qualify to receive cash redemptions.
Through a Wells Fargo ATM
You can redeem Cash Rewards in $20 increments. You can either withdraw cash or transfer Rewards
to an eligible Wells Fargo account. To redeem Cash Rewards in this way, you must have a Wells Fargo
Debit or ATM card. A maximum limit may exist on the dollar amount of cash redemption rewards you
can make each day at a Wells Fargo ATM.

9. What happens to your Cash Rewards if you pay your Credit Card late?
Your Credit Card becomes delinquent (late) when you do not pay your required payment by its due date.
When this happens, your ability to redeem Rewards will not change.

10. Can we change these Terms and the Program?

Yes. We can change the Terms and change, suspend, or cancel any part of the Program at any time and for
any reason. These changes may do any of the following:
Prevent you from earning and/or using Rewards
Decrease Rewards value
Cause you to lose Rewards
If we materially change your Terms or the Program, we will notify you ahead of time. If we cancel the
Program, then you must redeem your Rewards within three months from the date we notify you of this
change. After this period, you lose any unredeemed Rewards.

11. Can we stop you from participating in the Program?

Yes. We can immediately suspend or cancel your Program, in whole or in part, at any time and for any
reason. We will do so if you do any of the following:
Violate these Terms or your Credit Card Account terms and conditions
Engage in fraud or suspected fraud, or someone associated with your Account does
Misuse or game the Program, or take another similar action
 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
Require us to close your Credit Card Account
NOTICE TO NEW YORK ACCOUNT HOLDERS: Effective December 10, 2023, if the Credit Card tied to Your
Rewards Account is closed for any reason (except fraud or misuse), We will issue a check for the cash
equivalent value of any available Rewards balance in Your Rewards Account. The check will be made
payable to the Rewards Account owner and sent to the New York address on file for Your account.

12. Can you cancel your Cash Rewards Program?

Yes. You can cancel your Cash Rewards by closing your Credit Card Account. The following conditions apply:

If you have closed all your Rewards-eligible Credit Cards: You give up any pending or active Rewards
that exist on the date that the Account closes. The only exceptions are what may exist in the Terms.
If you have multiple Credit Cards in your Rewards Account and you close one Credit Card: Your
Rewards still stay in your Rewards Account.