Who it's for
Cash backNo annual fee
Wells Fargo Active Cash
One of the best no-fee flat 2% cards in market. Simpler than Citi Double Cash (no "pay to earn" 1+1% mechanic). The cell phone protection is a real value-add most users overlook.
$1,159/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 2x | $600/mo |
| Flights & hotels | 2x | $300/mo |
| Rent | 2x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 2x | $80/mo |
| Online shopping | 2x | $200/mo |
| Everything else | 2x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- Unlimited 2% cash rewards on every purchase
- $200 cash rewards bonus after $500 in spend within 3 months
- $0 annual fee
- 0% intro APR for 12 months on purchases and qualifying balance transfers
- Cell phone protection (up to $600/claim) when you pay your monthly bill with the card
- 3% foreign transaction fee — not ideal for international spend
Head-to-head
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