4.4 / 5 \u00b7 Bonus Eagle score
Wells Fargo
Active Cash
Welcome bonus
200Cash Rewards
Annual fee
$0
Purchase APR
19.24% – 29.24%
Credit needed
Good (670+)
on Wells Fargo's secure site
The bottom line
The Active Cash is the card we recommend to anyone who tells us "I don't want to think about points." 2% on everything, no annual fee, no categories — it just works. If your travel is mostly domestic and you don't care about transferring points to airlines, this beats most travel cards at the everyday-spend tier.
At a glance
Pros and cons.
Pros
- Flat 2% on everything, no categories
- No annual fee
- 12-month 0% intro APR
- Cell phone protection up to $600/claim
Cons
- 3% foreign transaction fee
- No category bonuses for heavy categories
- Cash rewards (not transferable points)
The editorial review
Our take on this card.
The Active Cash is the card we recommend to anyone who tells us "I don't want to think about points." 2% on everything, no annual fee, no categories — it just works. If your travel is mostly domestic and you don't care about transferring points to airlines, this beats most travel cards at the everyday-spend tier.
How you earn
Rewards by category.
All purchases
2x
Rates and fees
The full disclosure.
All rates and fees current as of publication. Verify against the issuer's official Terms and Conditions before applying.
Annual fee
$0
Purchase APR
19.24% – 29.24%
Foreign transaction fee
3.00%
Frequently asked
Questions readers ask.
Active Cash earns 2% cash rewards on all purchases (and 2x points if you redeem for travel). It's the simplest high-earn card in the market - no rotating categories, no spending caps, no enrollment required. For shoppers who don't want to think about category bonuses, it's the best flat-rate card available.
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