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Many rewards credit cards tempt you with bonus rewards for specific purchases, but with the Wells Fargo Active Cash® Card (Rates and Fees), you simply receive a 2% cash rewards on purchases. There’s no need to register for anything, and there is no annual fee to carry this credit card in your wallet.

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Plus, you now 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).

Wells Fargo Active Cash® Card applicants can earn a $200 cash rewards bonus after spending $1,000 on the card within the first three months of account opening. Additionally, new accounts receive a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers (18.74%, 23.74%, or 28.74% variable APR after low intro APR period).

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Qualifying balance transfers must be made within 120 days of account opening. Read our full review of the Wells Fargo Active Cash® Card.

Annual Fee: $0
Bonus: Earn a $200 cash rewards bonus ⓘ
APR: 18.74%, 23.74%, or 28.74% variable APR after low intro APR period.
Rewards Rate: 2% cash rewards on purchases

Details: Full Review

Intro APR: The card offers an introductory 0% APR for the first 15 months from account opening on purchases and qualifying balance transfers, then the regular APR is applied to balances. Balance transfers must be made within the first 120 days of membership to qualify for the introductory 0% APR and 3% fee. After the promotional period, balance transfer fees increase to 5% (minimum of $5).

APR: After the low intro APR offer concludes, a 18.74%, 23.74%, or 28.74% variable APR applies.