The Wells Fargo Active Cash is a personal credit card from Wells Fargo Active Cash. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.49%, 24.49% or 28.49% variable APR thereafter after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 763 or higher. Signup bonus: $200 cash rewards bonus when you spend $500. Rewards: 2% cash rewards on purchases, unlimited.. Cash back: Unlimited 2% cash rewards on all purchases.. Typical credit limit: Varies. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Wells Fargo enforces a 6-month rule (no new Wells Fargo card approvals within 6 months of your last Wells Fargo card opening). Wells Fargo pulls Experian as the primary bureau in most states.. No annual fee and offers a straightforward cash back structure.