Critics’ Tip
“Credit card welcome bonuses and introductory offers change regularly. If you see something you like we suggest applying today.”

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 $500 in purchases in the first three months after you are approved. This means you are getting another 40% back on the first $500 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 20.24%, 25.24%, or 29.99% 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.
The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on purchases.
If you are interested we suggest applying today.
Other Rewards Card 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.
Generous Bonus & Intro APR

Bank of America® Travel Rewards credit card
On Bank of America’s secure site
- 1.5 points per $1 spent on all purchases
- Intro APR Offer
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
- Recommended Credit Score: Excellent/Good (670 – 850*)
If you prefer a $0 annual fee card that will help you earn points towards travel and dining purchases then this card is likely your top option. With the Bank of America® Travel Rewards credit card you will earn a straightforward, unlimited 1.5 points per $1 spent on all purchases. You can also earn a 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel and dining purchases. Unlike most travel cards this option also offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 18.24% - 28.24% Variable APR will apply.
Unlimited 3X Rewards on Restaurants, Travel, Gas & More

Wells Fargo Autograph℠ Card
On Wells Fargo’s secure site
- 3x Rewards On Gas, Travel, Restaurants & More
- Intro APR Offer on Purchases
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Recommended Credit Score: Excellent/Good (670 – 850*)
This $0 annual fee credit card is a top-rated rewards card that offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on all of your other purchases. New card members can also earn an impressive 20,000-point welcome bonus after spending $1,000 in the first three months. This bonus has a $200 cash redemption value! In addition to the cash redemption option, you can also redeem your rewards for travel, gift cards, and more. And while there is no intro APR offer for balance transfers it does offer a 0% intro APR for 12 months from account opening on purchases, followed by a 20.24%, 25.24%, or 29.99% variable APR.
Best For Balance Transfers and Cash Back

Discover it® Balance Transfer
On Discover’s secure site
- Earn 5% cash back on everyday purchases at different places each quarter (terms apply)
- Intro APR Offer
- Discover will match all the cash back you’ve earned at the end of your first year.
- Recommended Credit Score: Excellent/Good (670 – 850*)
The Discover it® Balance Transfer card is a well-rounded option as it offers fantastic cash back rewards, a generous intro APR period (especially on balance transfers), a unique bonus opportunity and does not charge an annual fee. It offers a 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.24% - 28.24% Variable APR. You will also earn 5% back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants and gas stations (up to $1,500 in combined purchases each quarter you activate, then you earn 1%) and 1% back on all of your other purchases. The unlimited cash back match bonus is what sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus. It is easy and can be very lucrative if you use your card regularly and take advantage of the 5% categories.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.