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

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  • Earn unlimited 2% cash rewards on purchases
  • Earn a $200 cash rewards bonus when you spend at least $500 in purchases in the first three months
  • 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 will apply
  • 2024 Critics’ Choice Winner for Best Cash Rewards

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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.

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 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. 

The Wells Fargo Active Cash® Card also has an incredible welcome 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.

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. 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.

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

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

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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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.

Generous Bonus & Intro APR

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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 19.24% – 29.24% Variable APR will apply.

Quick and Simple Rewards

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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. A balance transfer fee applies 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.

If you spend regularly on dining, takeout, and drugstore purchases, then the Chase Freedom Flex card would be a great addition to your wallet as cardholders earn 3% cash back in those categories. You will also earn 5% cash back in bonus categories (up to $1,500 in combined purchases) and 5% cash back on travel when booked through Chase. All other purchases earn unlimited 1% cash back. There is no annual fee and new cardmembers can also benefit from a 0% intro APR on purchases and balance transfers for 15 months, then a 20.49% – 29.24% Variable will apply. 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 from account opening.


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.

The information related to The Chase Freedom Flex℠ card was collected by CardCritics and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics does not receive a commission for this product.

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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