Hands Down the Top Card of 2025
The Wells Fargo Active Cash® Card offers a $200 cash rewards bonus when you spend $500 in purchases in the first three months.
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Highlights:
- Earn unlimited 2% cash rewards on purchases
- Earn a $200 cash rewards bonus when you spend at least $500 in purchases in the first three months
- 0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers, then a 18.99%, 24.99%, or 28.99% Variable APR will apply
- 2025 Critics’ Choice Winner for Best Cash Rewards
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 which is why we’ve named it the best card of 2025. We have broken down all of the details below.
Earn 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 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 who is looking for a low-maintenance cash rewards card that will allow you to accumulate cash rewards really quickly.
$200 Cash Rewards Bonus
The Wells Fargo Active Cash® Card also has an incredible welcome 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 is a really low spend threshold, making it easy to cash in on this bonus which equates to another 40% back on the first $500 you spend.
Generous Intro APR on Purchases & Balance Transfers
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 12 months from account opening on purchases and qualifying balance transfers, followed by a 18.99%, 24.99%, or 28.99% Variable APR. There is an introductory balance transfer fee (3% intro 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
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers an intro APR on purchases and qualifying 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 Review to learn more.Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 24.99%, or 28.99% variable APR thereafter; 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 fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Bottom Line
Earning 2% cash rewards on your purchases makes the Wells Fargo Active Cash® Card a perfect choice for your go-to credit card. Even if you have another card that earns a higher rate on certain categories you can add this to your wallet and make sure you never earn less than 2% cash rewards again. Add in the bonus, the intro APR and the additional perks and it’s easy to see why we have named this our top card of 2025. Apply today for this top-rated card.
Other 2% Rewards Card Options
We think the Wells Fargo Active Cash® Card is tough to beat but we have rounded up some other options that may appeal to you as well.
Top-rated for Balance Transfers and 2% Cash Back
Citi Double Cash® Card
The Citi Double Cash® Card (an advertising partner) is another 2% cash back option that works a bit differently. You earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. You can also earn a $200 cash back bonus after spending $1,500 on purchases in the first 6 months of account opening. There is also 0% intro APR for 18 months on Balance Transfers followed by a 17.99% – 27.99% (Variable) APR. If you have good or excellent credit then it is a well-rounded cash back option with a $0 annual fee.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
If you are looking for an easy to understand, flat rate, cash back credit card that pays an above-average rate of 2% (1% when you buy and 1% as you pay), then this card from Citi (an advertising partner) is a fantastic option for you. There is also a compelling balance transfer intro APR offer and a welcome bonus. Read our in-depth Review to learn more.Card Details From Issuer
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.99% – 27.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
2% Cash Back Plus a $200 Bonus
TD Double Up℠ Credit Card
The TD Double Up℠ Credit Card rewards TD Bank members with unlimited 2% cash back on purchases with no categories or limits to worry about. It also offers a 0% introductory APR on balance transfers for the first 15 billing cycles after account opening. After that a 19.24%, 24.24% or 29.24% variable APR based on your creditworthiness. A 19.24%, 24.24% or 29.24% variable APR based on your creditworthiness applies to purchases. There is also an opportunity to earn a $200 welcome bonus in the form of a statement credit when you spend $1,500 within the first 90 days after account opening. This card charges no annual fee and offers additional Visa Benefits.
Advertiser Disclosure
At CardCritics™, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
Critics' Overview
The TD Double Up℠ Credit Card is an excellent flat-rate rewards card as it offers unlimited 2% cash back on all purchases. There is a welcome bonus and an intro APR on balance transfers. However, this offer is only available in select states. Read our in-depth Review to learn more.Card Details From Issuer
- Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
- Earn unlimited 2% Cash Back on all eligible purchases
- No reward categories, no caps, no worries.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
As you can see, it is a great time to be in the market for a new rewards credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand out options today.
Heads Up!
You can earn a $200 cash rewards bonus + earn unlimited 2% cash rewards.
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.