2% Money Rewards Plus a Bonus : Card Critics


Wells Fargo actually disrupted the cash back credit card area after they launched their Wells Fargo Active Cash℠ Card. It’s laborious to compete with what this card has to supply and we’ve got damaged down the entire particulars beneath.

Limitless 2% Money Rewards

The Wells Fargo Active Cash℠ Card gives limitless 2% money rewards on purchases. Different playing cards that provide increased percentages solely achieve this on sure classes (groceries or fuel, as an example) and often restrict how a lot you’ll be able to earn in these classes. With the Wells Fargo Active Cash℠ Card you don’t have to fret about any caps, classes or activating your rewards because you’ll robotically earn 2% on your entire purchases. This 2% price is hard to beat and makes this no annual price card a stand out choice for anybody with good to glorious credit score that’s on the lookout for a low-maintenance money rewards card that can mean you can accumulate money rewards actually shortly. 

$200 Money Rewards Bonus

There’s additionally a sign-up bonus price $200 in money rewards that may be earned by spending not less than $1,000 within the first three months after you might be authorised. This implies you might be getting one other 20% again on the primary $1,000 you spend.

Beneficiant Introductory APR

These searching for a 0% intro APR will likely be joyful to listen to that the Wells Fargo Active Cash℠ Card lets you pay 0% curiosity for 15 months from account opening on purchases and qualifying steadiness transfers. After the introductory price the 15.24%-25.24% Variable APR will apply. There’s an introductory steadiness switch price (3% for 120 days from account opening, then as much as 5%; min: $5) however if you’re paying curiosity in your different card(s) the price is probably going a lot decrease than the curiosity costs you might be accruing every month.

Extra Advantages

One other distinctive perk provided is cellphone safety. Merely use your Wells Fargo Active Cash℠ Card to pay your mobile phone invoice and you may rise up to $600 of safety in your cellphone (topic to $25 deductible) in opposition to coated harm or theft. It will assist offer you peace of thoughts that your cellphone is protected whereas saving you cash by not needing to pay out of pocket for the safety by means of one other supplier.


0% intro APR for 15 months from account opening, then 15.24%-25.24% Variable APR

Stability Switch APR

0% intro APR for 15 months from account opening on qualifying steadiness transfers, then 15.24%-25.24% Variable APR

Really useful Credit score Rating

670 – 850*

Money Rewards

2% Earn limitless 2% money rewards on purchases

Welcome Bonus

Earn a $200 money rewards bonus after spending $1,000 in purchases within the first 3 months

Different Money Again Choices

We predict the Wells Fargo Active Cash℠ Card is hard to beat however we’ve got rounded up another choices from our companions that will attraction to those that are likely to spend extra in particular classes.

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on Financial institution of America®’s safe web site

Really useful Credit score Rating


Present Card Particulars +

With the Financial institution of America® Custom-made Money Rewards bank card you get to determine which class you’ll earn 3% again in every month. You possibly can choose from fuel, on-line buying, eating, journey, drug shops, or residence enchancment/furnishings whereas additionally incomes 2% again at grocery shops and wholesale golf equipment. The bonus money again earned in these mixed classes (your alternative, grocery and wholesale golf equipment) is capped at $2,500 in purchases every quarter. You’ll earn 1% after that cap is hit and on your entire different purchases. To sweeten the deal, you’ll additionally earn a $200 on-line money again rewards bonus after you make not less than $1,000 in purchases in your card inside the first 90 days of your account opening. That’s a further 20% again in your first $1,000 spent! That could be a enormous record of perks for a card with no annual price.

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on Chase’s safe web site

Really useful Credit score Rating

Good – Glorious

Present Card Particulars +

The Chase Freedom Limitless® card isn’t new to the scene however has actually stepped up its providing by way of rewards. It costs no annal price and gives a simple solution to earn money again whereas additionally offering some actually attractive bonus classes that can mean you can earn much more. You’ll earn a limiteless 1.5% money again on purchases, 5% on journey bought by means of Chase, 5% money again on grocery retailer purchases (not together with Goal® or Walmart® purchases) on as much as $12,000 spent within the first 12 months and three% again on eating at eating places and at drugstores. There’s additionally a novel welcome bonus price as much as $300 in money rewards. You’ll earn an additional 1.5% on all the pieces you purchase (on as much as $20,000 spent within the first 12 months). Meaning you’ll earn a complete of 6.5% on journey bought by means of Chase Final Rewards®, 4.5% on eating and drugstores, and three% on all different purchases your first 12 months (as much as the utmost famous). It’s simple to see how your money again rewards will add up extremely shortly, particularly your first 12 months.

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on American Categorical’ safe web site

Really useful Credit score Rating

Good – Glorious

Present Card Particulars +

You will need to perceive that relating to bank cards the one solution to actually take your incomes potential to the following degree is to decide on a card with an annual price. The Blue Money Most popular® Card from American Categorical (a CardCritics advertiser) is a wonderful instance because the ongoing perks and rewards shortly justify the $95 annual price which is waived the primary 12 months. You’ll earn an enormous 6% again at U.S. supermarkets (as much as $6,000 per 12 months in purchases, then 1%), 6% again on choose U.S. streaming subscriptions, and three% again at U.S. fuel stations and on transit. You’ll earn 1% again on your entire different eligible purchases. To sweeten the deal, you’ll be able to earn a $300 welcome bonus after you spend $3,000 in purchases in your new card inside the first 6 months. If an annual price is a deal-breaker try its sister card Blue Cash Everyday® Card from American Express.

As you’ll be able to see, it’s a nice time to be out there for a brand new money again bank card. Issuers are actually stepping up their sport and providing unimaginable perks to win your corporation. When you have good to glorious credit score within the 670 – 850* vary and haven’t just lately utilized for a brand new bank card then you must undoubtedly apply for considered one of these stand out choices immediately.

Editorial Notice: Any opinions, analyses, opinions or suggestions expressed are these of the writer’s alone, and haven’t been reviewed, authorised or in any other case endorsed by any card issuer.

*CardCritics references a FICO® 8 rating, which is considered one of many several types of credit score scores. A monetary establishment might use a special rating when evaluating your utility.

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