The main customer service number for the Wells Fargo Active Cash Card and other credit cards is 1-800-642-4720. The Cash Card has a variable APR that is based on your creditworthiness.
Here’s the latest accurate info for the Wells Fargo Active Cash® Card, as of today:
1. Customer Service & Phone Number
For general customer service—including reporting lost or stolen cards, billing issues, balance transfers, etc.—you can call: 1‑800‑642‑4720 (available 24/7).
If you’re calling from outside the U.S., use 1‑925‑825‑7600 for international collect calls.
To start a call with Wells Fargo Active Cash service by phone, you can dial the number on the back of your card, enter your account number, press #, and follow prompts to speak with a representative.
2. Interest Rates (APR) & Fees
Purchase APR
As of December 31, 2024, variable purchase APRs range from 19.24% to 29.24%, depending on creditworthiness.
The official Wells Fargo Terms specify:
0% introductory APR for 12 months on purchases.
After the intro period, the APR may be 19.74%, 24.74%, or 29.74%, depending on creditworthiness; the rate varies with the U.S. Prime Rate.
Balance Transfers
Introductory APR: 0% for 12 months on qualifying balance transfers (must be within the first 120 days).
Balance transfer fee: Either $5 or 3%, whichever is greater, for the first 120 days; afterward, up to 5%, min $5.
Cash Advances
APR: 29.99% (variable).
Fee: $10 or 5% of the advance amount (whichever is greater).
Extras
Annual Fee: $0.
Foreign Transaction Fee: 3% of each purchase made in foreign currency.
Grace Period: At least 25 days interest-free if you pay your balance in full by the due date.
Minimum Interest Charge: $1 if interest is charged.
Late Payment Fee: Up to $29 for the first late payment (or your minimum payment, whichever is lower); subsequent late payments up to $40.
Over-limit Fee: None.
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Summary Table: Interest Rates & Fees
| Feature | Details |
|---|---|
| Purchase Intro APR | 0% for 12 months |
| Regular Purchase APR | 19.74% – 29.74% (varies by credit score and prime rate) |
| Balance Transfer Intro APR | 0% for 12 months (transfers within first 120 days) |
| Balance Transfer Fee | $5 or 3% during intro, up to 5% afterward (min $5) |
| Cash Advance APR | 29.99% variable |
| Cash Advance Fee | $10 or 5% of amount (whichever higher) |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Minimum Interest Charge | $1 |
| Grace Period | ≥25 days if paid in full |
| Late Payment Fee | Up to $29 first late, up to $40 subsequent |
| Over-limit Fee | None |
Note on Rate Variation: The APR ranges stem from different sources—the Consumer Financial Protection Bureau lists up to 29.24% as of Dec 2024, while Wells Fargo’s own terms cite up to 29.74% depending on credit and market factors.
3. Final Thoughts
Phone Contact: Use 1‑800‑642‑4720 (or the number on your card) for any customer service needs.
Interest Rates: Enjoy a 0% introductory APR for 12 months, but be prepared for a variable rate afterward ranging roughly between 19–30%, based on credit.
Fees: No annual fee, but you’ll face costs for balance transfers, cash advances, and foreign transactions.
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