The Wells Fargo Active Cash® Card offers a $200 cash rewards bonus when you spend $500 in purchases in the first three months.
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On Wells Fargo’s secure site
Wells Fargo really disrupted the cash back credit card space when they released their Wells Fargo Active Cash® Card. It is hard to compete with what this card has to offer and we have broken down all of the details below.
Unlimited 2% Cash Rewards
The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on purchases. Other cards that offer higher percentages only do so on certain categories (groceries or gas, for instance) and usually limit how much you can earn in those categories. With the Wells Fargo Active Cash® Card you don’t have to worry about any caps, categories or activating your rewards since you’ll automatically earn 2% on all of your purchases. This 2% rate is tough to beat and makes this no annual fee card a stand out option for anyone with good to excellent credit that is looking for a low-maintenance cash rewards card that will allow you to accumulate cash rewards really quickly.
$200 Cash Rewards Bonus
The Wells Fargo Active Cash® Card also has an incredible sign-up bonus worth $200 in cash rewards that can be earned by spending at least $500 in purchases in the first three months after you are approved. This means you are getting another 40% back on the first $500 you spend.
The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on purchases.
Generous Introductory APR
Those seeking a 0% intro APR will be happy to hear that the Wells Fargo Active Cash® Card allows you to pay 0% interest for 15 months from account opening on purchases and qualifying balance transfers, followed by a 20.24%, 25.24%, or 29.99% Variable APR thereafter. There is an introductory balance transfer fee (3% for 120 days from account opening, then up to 5%; min: $5) but if you are paying interest on your other card(s) the fee is likely much lower than the interest charges you are accruing each month.
Additional Benefits
Another unique perk offered is cell phone protection. Simply use your Wells Fargo Active Cash® Card to pay your cellular telephone bill and you can get up to $600 of protection on your cell phone (subject to $25 deductible) against covered damage or theft. This will help give you peace of mind that your cell phone is protected while saving you money by not needing to pay out of pocket for the protection through another provider.
Cash Rewards
Earn unlimited 2% cash rewards on purchases.
Purchase APR
0% intro APR for 15 months from account opening, then 20.24%, 25.24%, or 29.99% Variable APR thereafter
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers, then 20.24%, 25.24%, or 29.99% Variable APR thereafter
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Recommended Credit Score
Excellent/Good 670 – 850*
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Critics’ Overview
If you are looking for a flat-rate cash rewards card that also offers a long intro APR on purchases and balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR thereafter
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR therafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards dont expire as long as your account remains open.
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Apply Now
On Wells Fargo’s Secure site
Other Rewards Card Options
We think the Wells Fargo Active Cash® Card is tough to beat but we have rounded up some other options from our partners that may appeal to you as well.
Unlimited 3X Rewards on Restaurants, Travel, Gas & More
Apply Now
On Wells Fargo’s secure site
Recommended Credit Score
670 – 850*
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This $0 annual fee credit card is a top-rated rewards card that offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on all of your other purchases. For a limited time, new card members will earn a massive 30,000-point welcome bonus after spending $1,500 in the first three months. This impressive bonus has a $300 cash redemption value! In addition to the cash redemption option, you can also redeem your rewards for travel, gift cards, and more. And while there is no intro APR offer for balance transfers it does offer a 0% intro APR for 12 months from account opening on purchases, followed by a 20.24%, 25.24%, or 29.99% Variable APR thereafter.
Critics’ Overview
This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. For a limited time, you will earn 30,000 bonus points (a $300 cash redemption value) when you spend $1,500 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Critical Analysis to learn more.
Purchase APR
0% intro APR for 12 months from account opening, then 20.24%, 25.24%, or 29.99% Variable APR thereafter
Balance Transfer APR
20.24%, 25.24%, or 29.99% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
Apply Now
On Wells Fargo’s Secure site
Generous Bonus & Intro APR
Apply Now
On Bank of America’s secure site
Recommended Credit Score
670 – 850*
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If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on all purchases. You can also earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Updated November 6, 2023
Critics’ Overview
This is a great travel card for those who don’t want to pay an annual fee, are looking for a straightforward way to earn and redeem their rewards and want to save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on all purchases and can easily earn 25,000 online bonus points (redeemable for a $250 statement credit toward travel purchases) when you spend at least $1,000 on purchases in the first 90 days of your account opening.
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24% Variable APR will apply.
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- If you’re a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Apply Now
On Bank of America’s Secure site
Quick and Simple Rewards
Apply Now
On Capital One’s secure site
Recommended Credit Score
670 – 850*
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The Capital One Quicksilver Cash Rewards Credit Card stacks up very well against other top-tier cash back cards as it offers an unlimited 1.5% cash back on everyday purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. As a welcome offer, new card members can earn a $200 cash bonus after spending $500 within the first 3 months. This is a lower spending requirement than most cash back cards which means you can easily achieve this bonus with everyday purchases. You will also get 6 months of complimentary Uber One membership (through 11/14/24) and access to exclusive reservations and dining experiences through Capital One Dining. You will also benefit from a 0% intro on purchases and balance transfers for 15 months, then 19.99% – 29.99% (Variable) APR will apply. There is a 3% balance transfer fee on the amounts transferred within the first 15 months (no fee for amounts transferred at the transfer APR) but this fee is usually worth it if you’re currently carrying a balance on another card that charges interest. That’s an extensive list of benefits, especially for a card that does not charge an annual fee.
Critics’ Overview
This $0 annual fee cash back credit card offers unlimited 1.5% cash back on every purchase making it an excellent, straightforward option for those looking for a flat rate credit card. You will also earn an elevated cash back rate on hotels and rental cars booked through Capital One Travel. There is a generous online cash rewards bonus and a lengthy intro APR on purchases and balance transfers. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 15 months, then 19.99% – 29.99% (Variable)
Recommended Credit Score
Excellent, Good (670 – 850*)
Card Details From Issuer
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Apply Now
On Capital One’s Secure site
3% Back On Groceries, Dining & More
Apply Now
On Capital One’s secure site
Recommended Credit Score
670 – 850*
View All Card Details
If you spend regularly on dining, entertainment, groceries and online streaming services, then the Capital One SavorOne Cash Rewards Credit Card would be a great addition to your wallet as cardholders earn unlimited 3% cash back in those categories. You will also earn 1% back on all of your other purchases. There is no annual fee and new cardmembers can also benefit from a 0% intro on purchases and balance transfers for 15 months, then 19.99% – 29.99% (Variable). There is a 3% balance transfer fee on the amounts transferred within the first 15 months (no fee for amounts transferred at the transfer APR) but that fee is likely worth it if you are paying interest each month on another card. You can also kick off your cash back earnings with a $200 welcome bonus that can be earned by spending $500 on purchases within the first 3 months. That’s an additional 40% back on your first $500 spent!
Critics’ Overview
This stellar card from Capital One is an excellent choice for those who spend regularly in the dining, entertainment, streaming services and grocery categories. There is a lucrative bonus opportunity, a generous intro APR period on purchases and balance transfers and a $0 annual fee. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 15 months, then 19.99% – 29.99% (Variable)
Recommended Credit Score
Excellent, Good (670 – 850*)
Card Details From Issuer
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Apply Now
On Capital One’s Secure site
As you can see, it is a great time to be in the market for a new rewards credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand out options today.
Heads Up!
You can earn a $200 cash rewards bonus + unlimited 2% cash rewards.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
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