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 after a 0% introductory rate for 12 months. Approval typically requires a credit score of 763 or higher. Signup bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.. Rewards: Unlimited 2% cash back on all purchases + $200 bonus after $500 spend within first 3 months. Cash back: 2% Cashback. 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.. Strong dual-purpose card — excellent for those seeking both flexible credit terms and solid cash-back rewards. Truist Future Credit Card. BT Fee: Not explicitly stated; typically 3%–5% (check specific terms when applying). Post-intro APR: 19.24% – 29.24% variable