- 3% transaction fee.
- Unlimited 2 percent cash rewards on purchases with no gimmicks and diverse redemption options
- 0 percent intro APR on purchases and on qualifying balance transfers from account opening for 15 months (then 18.74 percent, 23.74 percent, or 28.74 percent variable APR); balance transfers made within 120 days qualify for the intro rate and fee of 3% then a balance transfer fee of up to 5%, with a minimum of $5
- Offers valuable benefits including cellphone protection and Visa Signature perks
- No annual fee
The Wells Fargo Active Cash Card isn’t just one of the best flat-rate cash rewards cards —it’s one of the best cash rewards credit cards period. Cash rewards cards that earn 2 percent on purchases aren’t unheard of, but the Active Cash card cuts the strings typically attached to that sky-high rate and leads the pack when it comes to Wells Fargo cards, even earning a top spot on our list of the best no annual fee credit cards. In fact, the Active Cash may even topple the Citi® Double Cash Card as the long-reigning MVP of flat-rate cash rewards cards.