Wells Fargo Lively Money bank card assessment: Full particulars

Wells Fargo Lively Money® Card overview

The no-annual-fee Wells Fargo Lively Money® Card (see charges and costs) provides a stable 2% cash-back on purchases and an interesting welcome provide. And with no annual price and a handful of different perks, it could possibly be choice for individuals who desire a rewarding but easy card of their wallets. Card Score*: ⭐⭐⭐½

*Card Score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Bank card rewards can usually be sophisticated with limited-time provides, switch companions and excessive annual charges. The Wells Fargo Lively Money card takes a easy strategy by providing limitless 2% money rewards on purchases. It would not carry an annual price or have any bonus classes to recollect.

It is also a Visa Signature® card, which has many perks and advantages usually seen on extra premium playing cards. You may desire a credit score rating of 670 or greater for the most effective probability at approval.

This is every thing it’s essential know concerning the Wells Fargo Lively Money card.

Lively Money welcome provide

The Wells Fargo Lively Money card is at the moment providing a $200 money rewards bonus while you spend $500 in purchases within the first three months of account opening.


This does not maintain a candle to the worth you will get with one of many high journey rewards playing cards in the marketplace, nevertheless it’s fairly normal for a cash-back card with no annual price.

Lively Money advantages

Among the extra notable perks on the Lively Money embody cellphone safety and 0 legal responsibility safety. Once you pay your month-to-month telephone invoice with the Lively Money card, Wells Fargo will cowl as much as $600, topic to a $25 deductible (as much as twice per 12 months) for harm or theft.


In the meantime, with zero legal responsibility safety, if an unauthorized buy is made in your bank card, the exercise can be promptly reported, and you’ll not be held accountable.

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The Wells Fargo Lively Money can also be a Visa Signature® card and comes geared up with advantages similar to 24/7 concierge service and entry to Visa’s Luxurious Resort Assortment.

These are some stable advantages for a card with no annual price.

Incomes rewards on the Lively Money

The Wells Fargo Lively Money card is a good way to earn an ordinary price of return on purchases. With it, you will earn 2% within the type of money rewards on purchases — together with journey, rideshare providers, eating and extra. Money rewards won’t expire so long as the account stays open.


There aren’t any bonus classes, so all qualifying purchases will earn the identical cash-back rewards. Nevertheless, cardholders don’t earn money rewards on steadiness transfers, money equivalents (like present playing cards and cash orders), lottery tickets or on line casino chips.

Redeeming rewards on the Lively Money

The money rewards you earn with the Lively Money card might be redeemed as assertion credit to cowl purchases beginning at $1. Nevertheless, you could have sufficient rewards in your account to cowl the whole transaction. In different phrases, the $200 in rewards you earn as a part of the welcome provide cannot be used for an announcement credit score on a $300 buy.


Money rewards can be redeemed for a deposit to your Wells Fargo checking account or as a fee towards the principal on a Wells Fargo mortgage. Different redemption choices embody money from a Wells Fargo ATM in $20 increments (solely accessible with a Wells Fargo debit card) and present playing cards in $25 increments.

Whereas this card would not provide as many redemption choices as a few of our favourite journey rewards playing cards, the simplicity has its personal enchantment. TPG bank cards author Emily Thompson loves the flexibility of cash-back rewards to cowl something from journey bills to an sudden residence restore.

Which playing cards compete with the Lively Money?

The money rewards bank card world is crammed with no-annual-fee playing cards, however only some can evaluate to the Lively Money.

For extra choices, try our full listing of the most effective cash-back bank cards.

Associated: Flat-rate vs. bonus-category cash-back bank cards

Is the Lively Money value it?

The dearth of an annual price makes the Wells Fargo Lively Money card interesting to all kinds of bank card customers, nevertheless it’s a very good choice for freshmen. Nevertheless, the cardboard does have a 3% international forex conversion price, so cardholders who recurrently journey or spend internationally ought to rethink and go for a card with out international transaction charges.

Backside line

The Wells Fargo Lively Money card is a good cash-back rewards card for individuals in search of a easy rewards construction. Some extra skilled bank card customers could really feel it’s lacking the flexibility to maximise incomes potential. Nevertheless, when you’re out there for a no-frills money rewards card with no annual price, the Wells Fargo Lively Money card could possibly be the right addition to your pockets.

Apply right here: Wells Fargo Lively Money Card

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