Unlimited 2% Cash Back Plus A $200 Bonus

Unlimited 2% Cash Back Plus A $200 Bonus

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Last Updated Apr 1, 2022 by P. Griffiths

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 There is also a sign-up bonus worth $200 in cash rewards that can be earned by spending at least $1,000 in the first three months after you are approved. This means you are getting another 20% back on the first $1,000 you spend.

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. After the introductory rate the 15.24%-25.24% Variable APR will apply. 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.

Wells Fargo Active Cash℠ Card

Purchase APR

0% intro APR for 15 months from account opening, then 15.24%-25.24% Variable APR

Balance Transfer APR

0% intro APR for 15 months from account opening on qualifying balance transfers, then 15.24%-25.24% Variable APR

Recommended Credit Score

Excellent/Good
670 – 850*

Cash Rewards

2% Earn unlimited 2% cash rewards on purchases

Welcome Bonus

Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

View All Card Details

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 15.24%-25.24% Variable APR

Recommended Credit Score

Excellent/Good (670 – 850*)

Card Details From IssuerEarn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 monthsEarn unlimited 2% cash rewards on purchases0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.24% to 25.24% variable APR; 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 feeNo categories to track or remember and cash rewards don’t expire as long as your account remains openEnjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature ConciergeGet up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active CashSM CardSelect “Apply Now” to learn more about the product features, terms and conditions Apply Now

On Wells Fargo’s Secure site

Other Cash Back 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 those who tend to spend more in specific categories.

Bank of America® Customized Cash Rewards credit card Apply Now

on Bank of America®’s secure site

Recommended Credit Score

Excellent/Good

Show Card Details +

Updated April 1, 2022

Critics’ Overview The Bank of America® Customized Cash Rewards credit card is a top contender in the field of cash back cards without annual fees. With an easy to achieve intro bonus, fantastic ongoing cash back rewards and very generous intro-APR periods for purchases and balance transfers, it checks all the important boxes. Read our in-depth Critical Analysis to learn more.

Purchase APR

0% Intro APR for 15 billing cycles for purchases, then 14.24% – 24.24% Variable APR

Balance Transfer APR

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 14.24% – 24.24% Variable APR

Recommended Credit Score

Excellent/Good (670 – 850*)

Card Details From Issuer$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.No annual fee and no expiration on rewards.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, 14.24% – 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.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

Bank of America® Customized Cash Rewards credit card With t

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