Wells Fargo Active Cash® Card

• Unlimited 2% cash back on all purchases—no categories to track.
• One-time $200 welcome bonus after spending $1,000 in the first 3 months.

• Annual fee: $0
• Intro APR: 0% on purchases and balance transfers for 15 months.
• Regular APR: 18.24%–29.24% variable after intro period.
• Balance transfer fee: $5 or 3% of the transfer amount (whichever is greater).

• Cell phone protection up to $600 per claim (with $25 deductible).
• Free access to credit tools like FICO score tracking and alerts.
• 24/7 fraud protection and digital wallet compatibility (e.g., Apple Pay, Google Pay).

• Ideal for users who want straightforward cash-back rewards without rotating categories.
• Great for people who want a no-fee card with strong intro APR perks.
• Suitable for everyday spenders who value simplicity over optimization.

Flat-rate cash-back cards like Active Cash are perfect for consistency—no need to track categories.

Tiered and rotating bonus cards may earn more, but require more effort.

Travel rewards cards earn points/miles, often tied to airlines or hotels, great for frequent travelers.

Always consider fees like annual, foreign transaction, and balance transfer charges.

Most rewards cards require good to excellent credit (FICO 670+).

Issuers may offer pre-approval tools with soft credit pulls to preview your odds.

• Active Cash stands out by offering true flat-rate 2% rewards with no annual fee.
• Includes bonus perks like phone protection and long intro APR.

**Citi® Double Cash**: Also earns 2%, split between purchase and payment (1% + 1%).

**Chase Freedom Unlimited®**: 1.5% on all purchases plus bonus rewards on dining/travel.

**Amex Blue Cash Preferred®**: Earns 6% at supermarkets, but with a $95 annual fee.

**Amazon Prime Visa**: 5% on Amazon and Whole Foods, but requires Prime membership.

• Use the card for all purchases—no need to track categories to earn 2%.
• Take advantage of the 0% intro APR to pay off debt—just factor in balance transfer fees.
• Pay your phone bill with the card to activate phone protection coverage.
• Monitor your FICO score and activity with Wells Fargo’s free credit tools.
• Redeem cash back as statement credits or direct deposits—no points or portal hassle.

• If you spend heavily on groceries/dining, consider Amex Gold or Blue Cash Preferred for higher returns.
• Frequent flyers may prefer travel cards like Chase Sapphire Preferred or Capital One Venture.
• If you enjoy optimizing quarterly 5% categories, rotating cards may suit your habits better.
• For luxury perks like lounge access or concierge services, premium cards like Amex Platinum are better (but come with high fees).

• Always pay on time to avoid fees and protect your credit score.
• Keep your credit utilization below 30% of your total limit.
• Don’t overspend just to chase rewards—debt wipes out cash back.
• Evaluate annual fees and ensure benefits outweigh the cost for each card.
• Review statements monthly to catch fraud and adjust your strategy.