Credit card | FinanceBuzz rating | Annual fee | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Wells Fargo Active Cash® Card |
5.0/5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Excellent for high flat-rate cash rewards |
$0 |
2% Earn unlimited 2% cash rewards on purchasesCash rewards |
$200 Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 monthsCash rewards |
Apply Now > Rates and fees |
Chase Freedom Unlimited® |
4.7/5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Excellent for cash back on traveling and dining |
$0 | 1.5% - 6.5% Earn 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchasesCash Back |
Up to $300 Cash Back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) |
Apply Now > |
Citi Double Cash® Card |
5.0/5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Excellent for high flat-rate cash back rewards |
$0 |
2% - 5% 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25Cash back |
$200 Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back |
Apply Now > Rates and fees |
TD Cash Credit Card |
4.8/5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Excellent for customizable cash back rewards |
$0 |
1% - 3% 3% Cash Back on your choice of spend category; 2% Cash Back in your second choice of spend category; and 1% on all other eligible purchasesCash Back |
$200 Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account |
Apply Now > Rates and fees |
Capital One Quicksilver Cash Rewards Credit Card |
4.5/5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Excellent for cash back + intro balance transfer perks |
$0 |
1.5% - 5% Earn 1.5% cash back on every purchase, every day; and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)Cash back |
$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening |
Apply Now > Rates and fees |
TD Double Up Credit Card |
4.6/5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Excellent for unlimited, flat-rate cash back rewards |
$0 |
2% Unlimited 2% Cash Back on all eligible purchasesCash Back |
$150 Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening |
Apply Now > Rates and fees |
Bank of America® Unlimited Cash Rewards credit card |
4.5/5
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products. Excellent for uncomplicated cash back rewards |
$0 |
1.5% Earn unlimited 1.5% cash back on all purchasesCash back |
$200 Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening |
Apply Now > |
Bottom Line
The Wells Fargo Active Cash® Card(Rates and fees) is a great choice for almost everyone. Cardholders can benefit from a generous welcome bonus, earn unlimited 2% cash rewards on purchases, and 0% intro APR for 12 months from account opening on qualifying balance transfers and new purchases — all without an annual fee.
- Intro APR: Enjoy a 0% introductory APR on purchases for 12 months from account opening then 19.49%, 24.49%, or 29.49% Variable APR thereafter. You also get a 0% intro APR for 12 months from account opening on qualifying balance transfers then 19.49%, 24.49%, or 29.49% Variable APR thereafter.
- No annual fee: The Active Cash card has a $0 annual fee, which is perfect for someone looking to pay down debt, not add to it.
- Welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Cash rewards: Cardmembers earn unlimited 2% cash rewards on purchases. If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card card could be a good option for you.
- Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. With Wells Fargo Credit Close-Up℠ cardholders own the skills to help understand and track their FICO Score, raise it, or maintain it.
- Cell phone protection: 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).
Lucrative, Flat-Rate Cash Rewards
Benefits
Card Details
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
- Apply Now
- 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 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; 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 don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
on Wells Fargo’s secure website
Read Card ReviewIntro Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Why we like it
If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card could be a good option for you. Cardmembers can earn unlimited 2% cash rewards on purchases.
This card also offers a 0% intro APR on qualifying balance transfers and purchases for 12 months from account opening, then 19.49%, 24.49%, or 29.49% Variable. Those looking for straightforward rewards and an introductory APR will likely find value in this card.
- Apply Now
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including the annual fee, earning potential, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.