Wells Fargo Active Cash Card
Rewards: Unlimited 2% cash rewards on purchases
Welcome Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee: No annual fee
Intro APR: 0% intro APR for 12 months on purchases and qualifying balance transfers
Regular APR: 19.49%, 24.49%, or 29.49% Variable APR
Foreign Transaction Fee: 3%
How to Earn and Redeem Cash Rewards: Earn unlimited 2% cash rewards on all eligible purchases. Redeem cash rewards in various ways, including statement credits, ATM withdrawals, or gift cards.
Perks:
* Cell phone protection: Get up to $600 cell phone protection (subject to a $25 deductible)
* Visa Signature Concierge: Get up to 24/7 personal assistance with booking travel, dining, and entertainment
* Visa Signature Luxury Hotel Collection: Receive premium perks like a food and beverage credit, free daily breakfast, and room upgrades (when available)
Key Features:
* No foreign transaction fee
* No annual fee
* 0% intro APR for 12 months on purchases and qualifying balance transfers
* 19.49%, 24.49%, or 29.49% Variable APR
Note that this card is best for those who want a flat-rate cash-rewards program and don’t want to pay an annual fee. However, it may not be the best option for those who spend a lot on dining or travel, as there are other cards with bonus categories in those areas.