To qualify for the Wells Fargo Active Cash® Card, you need to have at least a good credit score. Applicants with a 700+ and steady annual income have better approval odds. Other than your score, you also need to meet other criteria such as a valid SSN, a valid U.S. address, and being over the age of 18. Be warned though that meeting those requirements are in no way a guarantee for approval.

You can get a Wells Fargo Active Cash® Card virtual card number when you sign up your credit card for digital wallets such as Apple Pay or Google Pay using the bank’s mobile app. Then, whenever you make a purchase and use your digital wallet to make the payment, your Wells Fargo Active Cash® will generate a virtual card number.

No, the Wells Fargo Active Cash® Card does not offer pre-qualification for new applicants. When you apply for this card, Wells Fargo performs a hard pull on your credit history, which means a slight decrease for a short period of time. If you believe you won’t qualify for this card because of your credit score, it’s best to find another alternative to avoid damaging it.