Wells Fargo Active Cash — Credit Limit, Score & Approval Odds (2026)
The Wells Fargo Active Cash is a cash back card from Wells Fargo. Welcome bonus: $200 / $500 in 3 mo.
Based on 13 real reported applications, 69% were approved — median approved FICO 730, median starting limit $8.3k.
Wells Fargo Active Cash credit limit
Credit Limit — this card
$1k – $25k
The span of limits the Wells Fargo Active Cash issues. Across 9 reported approvals the median starting limit was $8.3k ($7k–$10.5k typical). Your personal limit depends on your profile — calculate your odds and limit →
Credit score needed for the Wells Fargo Active Cash
The issuer generally looks for a credit score of 660+. Approved applicants in our data had a median FICO around 730 (range 691–780).
Wells Fargo Active Cash approval odds
Based on 13 real applications reported for the Wells Fargo Active Cash, 69% were approved.
Approval rate
69%
13 reported apps
Approved
9
4 denied
Typical approved profile
730 FICO · 7% utilization · 2 recent inquiries — medians across 9 reported approvals. Lowest approved score on record: 691.
How the 4 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 629-101 pts vs approved
- Median utilization
- 58%+51 pts vs approved
Score is only part of it — utilization, recent inquiries and account age move the odds too.
Real reported Wells Fargo Active Cash applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Wells Fargo Active Cash requirements
- Suggested credit score
- 660+
- Min credit history
- 6 months
- Recommended utilization
- under 45%
- Recent hard inquiries
- up to ~5
- Credit limit range
- $1k – $25k
- Annual fee
- $0
- APR
- 20.24%–29.99%
- Welcome bonus
- $200 / $500 in 3 mo
- Reports to
- Experian, TransUnion
Wells Fargo Active Cash approval — FAQ
What credit score do you need for the Wells Fargo Active Cash?
Approved applicants in our data had a median FICO around 730 (range 691–780). The issuer generally looks for 660+.
What is the credit limit for the Wells Fargo Active Cash?
The Wells Fargo Active Cash issues limits from $1k to $25k. Across 9 reported approvals the median starting limit was $8.3k, typically $7k–$10.5k.
How to get approved for the Wells Fargo Active Cash?
Aim for a credit score around 660+, keep utilization under 45%, keep recent hard inquiries to about 5 or fewer, have at least 6 months of credit history. If you're denied, you can request reconsideration at 1-800-967-9521.
What are the requirements for the Wells Fargo Active Cash?
Suggested score 660+, at least 6 months of credit history, utilization under 45%, and up to about 5 recent hard inquiries. Annual fee: $0. Reports to Experian, TransUnion.
What are the approval odds for the Wells Fargo Active Cash?
Based on 13 real reported Wells Fargo Active Cash applications, 69% were approved. Approved applicants had a median FICO of 730 and 7% utilization. Denied applicants had a median FICO of 629 and 58% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Wells Fargo Active Cash?
Of 13 reported Wells Fargo Active Cash applications in our dataset, 69% were approved — the lowest approved score we have on record is 691.
Will you be approved for the Wells Fargo Active Cash?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.