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Wells Fargo Active Cash Card Review

Unlimited 2% cash rewards — Cardholders earn an unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track. There are other cards that offer higher cash back

Wells Fargo Championship : Wyndham Clark soars to first PGA Tour victory



CNN
 — 

Walking up the final fairway at Quail Hollow on Sunday, victory all but assured, Wyndham Clark made a conscious effort to soak up all the sights and sounds around him. Moments later, the American tapped home to clinch the Wells Fargo Championship and his first ever PGA Tour title.

“You only can win your first tournament once,” Clark reflected, but this was a victory played out in his imagination countless times.

“It’s surreal, I’ve dreamt about this since I was probably six years old,” Clark told reporters in Charlotte, North Carolina.

“Since I’ve been on the PGA Tour, you fantasize about it all the time, and I’ve done it multiple times this year where I catch myself daydreaming about winning.

“To do it at this golf course against this competition is better than I could ever have imagined.”

Clark celebrates a first career PGA Tour title.

The manner of victory was the stuff of dreams too, as Clark carded 19-under to seal a four-shot victory over compatriot Xander Schauffele, ranked 75 places above him at world No. 5. It marked the second-lowest score in relation to par in the event’s history, second only to Rory McIlroy’s 21-under in 2015, according to the PGA Tour.

McIlroy, making his first start since missing the cut at The Masters, finished 31st in a star-studded field featuring six of the world’s top 10.

A final round three-under 68 sealed the 29-year-old Clark’s fourth consecutive round in the 60’s, a composed closer after a scintillating 63 on Saturday had given him a two-shot lead over Schauffele heading into the closing round.

Clark escapes a bunker during the final round.

Having turned pro in 2017, Clark was five years and 133 PGA Tour starts without a win. After finishing sixth at the Corales Puntacana Championship in the Dominican Republic in March, the American began to think that he might never taste victory.

“I know that sounds crazy because I’ve only been out here five years, but I had a lot of chances to where I was within two or three shots either going into the back nine or starting on a Sunday and I always seem to fall short, and not only that, but seem like I fell back in positions,” Clark admitted.

“There was multiple texts and calls and times when I was so frustrated with people in my camp where I didn’t think I would ever win and I was like, ‘Let’s just stop talking about it,’ because I didn’t want to think about it. I said maybe that’s just not in the cards for me.

“So being in the position this time, I was like, ‘Well, we know what not to do.’”

Those lessons were tested immediately Sunday, as Clark opened with a bogey and remained at one-over approaching the eighth tee. However, a subsequent birdie, followed by four more across the first six holes of the back nine, saw him cruise home.

When he rolled home his closing bogey, Clark looked overcome with emotion. After embracing his caddie and Schauffele, he looked to be holding back tears as he saluted the crowd gathered at the 18th.

Clark celebrates with fans after winning.

Victory secured Clark the $3.6 million winner’s prize – dwarfing his previous-best payday of $485,000 – and stamped his ticket to the 151st Open Championship at Royal Liverpool in July. It also saw his world ranking soar 49 places to No. 31.

It fulfilled a dream that almost never got off the ground. When a 19-year-old Clark was establishing himself as a talented player at Oklahoma State University, his mother died of breast cancer.

Clark lost his “rock” and seriously considered walking away from the sport entirely.

“I was playing terribly,” Clark recalled. “There’s many times when I stormed off the golf course in qualifying or in tournaments and just drove as fast as I could, I didn’t know where I was going.

“The pressure of golf and then not having my mom there and someone that I could call was really tough for me. Then professionally, I’ve had multiple moments like that where you just, you miss multiple cuts in a row or you feel like your game is good and you’re not getting much out of it and you just contemplate doing it [walking away].

“Max Homa has a great quote: ‘Every golfer’s one shot away from thinking they can win the Masters or one shot away from quitting golf.’ It really is a great quote because that’s the truth. I’m glad I stuck it out and am here now.”

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Wells Fargo Active Cash Card Review

Unlimited 2% cash rewards — Cardholders earn an unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track.

There are other cards that offer higher cash back rates on certain categories, and while they can be worth it, they do require more effort. And they often are also subject to a cap and limited in what purchases they apply to. The Wells Fargo Active Cash® Card is perfect for someone that wants an easy-to-use card that still offers high rewards: you’ll earn a best-in-class flat rewards right away on your purchases — with no limits or hoops to jump through.

$200 cash rewards sign-up bonus — New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards sign-up bonus for spending just $1,000 in purchases in the first three months. Not only is this a very competitive sign-up bonus for a card with no annual fee, but it’s also one of the things that sets this Wells Fargo credit card apart from other 2% back cards. I’ve yet to come across another credit card with 2% unlimited cash rewards that also has a sign-up bonus.

15-month 0% APR intro offer — New cardholders can enjoy 0% intro APR on both new purchases and eligible balance transfers for a full 15 months. That’s a great offer, even when compared to cards marketed just for a 0% intro APR. It means that this card will allow you to avoid interest on purchases and balance transfers until 2024!

Keep in mind that balance transfers need to be made within the first 120 days to qualify for a reduced interest rate and a lower balance transfer fee.

No annual fee — In many cases, high rewards rates mean high annual fees. Not with the Wells Fargo Active Cash® Card, which sports a $0 annual fee.

Cell phone protection — With the price of a typical cell phone in the hundreds of dollars, having some sort of insurance is a good idea. With this Wells Fargo card, you can get built-in cell phone protection of up to $600 just by paying your cell phone bill with your card. Coverage is subject to a $25 deductible.

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Wells Fargo Reflect Card Review

0% intro APR for up to 21 months (on both purchases and balance transfers) — This is where The Wells Fargo Reflect® Card is hard to beat. The card starts with a 0% intro APR on purchases and qualifying balance transfers for 18 months. To make it even better, you can get an intro APR extension for three months, for a total of 21 months. All you need to do is make on-time minimum payments during the intro and extension periods.

It’s worth noting that the intro APR applies to balance transfers made within the first 120 days of opening the account. There is also a balance transfer fee of 3% ($5 minimum) on transfers made within the first 120 days and 5% ($5 minimum) on transfers made after that. Those fee amounts are standard among balance transfer credit cards.

No annual fee — The Wells Fargo Reflect® Card cuts fees in the right places. Case in point, the card has no annual fee.

Cellphone protection — When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). This is one of those underrated credit card perks. You don’t need to pay for cellphone insurance out of pocket, since this card includes protection already.

Special offers — Through My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining, and experiences that you pay for with your eligible Wells Fargo card.

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