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We provide a thorough review of credit cards issued by major US banks.

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Wells Fargo

Best Credit Cards of March 2025

When it comes to financial decisions, making right choices is critical. It is our goal to help you make informed credit card decisions and save your time for things we value so much in life - family, traveling, entertainment, and etc...

We read about, analyzed in detail and ranked a great deal of credit cards from the US top banks. And we created a list of the most interesting and rewarding offers of the month for you.

Scroll down to learn more about the best credit card offers on the market!

Our Top Credit Cards

  • Signify Business Cash℠: best for 2% unlimited cashback on all purchases and a generous welcome bonus
  • One Key™: best no-annual-fee card for booking on Expedia, Hotels.com, and Vrbo.
  • Travel Rewards for Students: best student travel card with 0% intro APR and a big sign-up bonus
  • Premium Rewards® Elite: premium travel card with a big sign-up bonus and unlimited airport lounge access
  • Amazon Visa: best for regular Amazon and Whole Foods shoppers
  • Slate Edge®: best for 0% intro APR on purchases and balance transfers for 18 months
  • Sapphire Preferred®: best for earning up to 5x points on travel, a generous sign-up bonus, and valuable travel benefits
  • Freedom Rise℠: best for people with no credit history
  • Autograph℠: best no-annual-fee card for unlimited 3x points on travel, gas, and dining
  • Active Cash®: highest 2% flat rate unlimited cashback, 0% intro APR, plus welcome bonus

Signify Business Cash℠

Apply now

On Wells Fargo's Secure Website

Signify Business Cash℠
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.49% - 25.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.

2% Cashback

Welcome Offer Earn a $500 cash rewards bonus when you spend $5,000 on purchases in the first 3 months.

$500

Welcome Offer

Earn a $500 cash rewards bonus after spending $5,000 in the first three months.


Rewards

Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.


Lounge Access

Priority Pass™: Cardholders receive a Priority Pass™ membership with access to more than 1,300 participating airport lounges worldwide on a pay-per-visit basis.


Redemption Options

Redeem rewards for a statement credit, gift cards, travel, and more.


Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 17.49% - 25.49% applies to purchases.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Business Perks

Separate business and personal expenses, Mastercard Merchant Offers, Mastercard Business Assistant, and employee cards at no additional cost.


Travel Benefits

Travel benefits includes MasterRental Insurance Coverage, Mastercard Travel and Lifestyle Services, Mastercard Global Services, Baggage Delay Reimbursement, and $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance.


Additional Features

Zero liability protection, Mastercard ID Theft Protection™, automatic account alerts, and compatibility with digital wallets.


Terms and Conditions

Click Apply Now to see the terms and conditions.

The Signify Business Cash℠ Card is an excellent choice for business owners, offering a standout 2% flat rate unlimited cashback on all purchases. Great additions include a generous welcome bonus, no annual fee, and a 0% intro APR for 12 months on purchases. Plus, this card offers extensive travel benefits and valuable business services, making it perfect for business owners looking to maximize their rewards on everyday purchases while enjoying premium travel benefits and financial flexibility.

One Key™

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On Wells Fargo's Secure Website

One Key™
4.3

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo. Earn 3% at gas stations, grocery stores, and on dining. Earn 1.5% on all other purchases.

1.5% - 3% OneKeyCash

Welcome Offer Earn $400 in OneKeyCash™ after spending $1,000 in the first three months.

$400 in OneKeyCash™

Welcome Offer

Earn $400 in OneKeyCash™ after spending $1,000 in the first three months.


Rewards

  • Up to 9% in OneKeyCash™ on Expedia and Hotels.com: 3% in OneKeyCash™ with the One Key™ Card + up to 6% in OneKeyCash™ as a One Key member.
  • Up to 5% in OneKeyCash™ on Vrbo: 3% in OneKeyCash™ with the One Key™ Card + 2% in OneKeyCash™ as a One Key member.
  • 3% in OneKeyCash™ on Select Categories:
    • 3% in OneKeyCash™ at Gas Stations.
    • 3% in OneKeyCash™ on Grocery Stores.
    • 3% in OneKeyCash™ on Dining and Food Delivery.
  • 1.5% in OneKeyCash™ on All Other Purchases.

Elite Status

  • Automatic Silver Tier in the One Key Travel Rewards Program: Enjoy automatic Silver Status with savings of 15% or more on over 10,000 hotels worldwide with Silver Member Prices.
  • Unlock Gold Tier when you spend $15,000 per calendar year.

Redemption Options

  • OneKeyCash™ is your rewards currency to use on Expedia. $1 in OneKeyCash is $1 to use on eligible hotels, car rentals, flights and more.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.24% - 29.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Travel Benefits: Includes Auto Rental Collision Damage Waiver (Primary Coverage), Mastercard Travel and Lifestyle Services, $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance, Trip Cancellation/Interruption Insurance, Mastercard Global Service™, Concierge Service, and Mastercard Golf.

Purchase Protections

  • Cell Phone Protection: Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

Additional Features

  • Mastercard ID Theft Protection™

Terms and Conditions

Click Apply Now to see the terms and conditions.

This One Key™ Card from Wells Fargo is a great choice for earning bonus rewards on Expedia, Hotels.com, and Vrbo, as well as on everyday expenses. It offers a generous welcome bonus, cell phone protection, and a range of travel benefits and perks, all with no annual fee. This card is ideal for those who frequently book travel accommodations online and want to earn rewards while enjoying valuable protection and perks without an annual fee.

Travel Rewards for Students

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On Bank of America's Secure Website

Travel Rewards for Students
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

Rewards Earn 1.5x points per $1 spent on all purchases.

1.5x Points

Welcome Offer Earn 25,000 bonus points when you spend $1,000 on purchases within the first 90 days of opening your account. These points can be redeemed for a $250 statement credit toward travel and dining purchases.

25,000 Points

  • Welcome Offer: Earn 25,000 bonus points after you spend $1,000 in purchases within the first 90 days of account opening.
  • Unlimited Points: Earn 1.5x points per $1 spent on all purchases.
  • Annual Fee: None.
  • Foreign Transaction Fees: None.
  • 0% Intro APR on Purchases: For 15 months from account opening.
  • 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 60 days.
  • Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 18.24% - 28.24% applies to purchases and balance transfers.
  • Redeem Rewards: Redeem points for a statement credit to pay for travel and dining purchases or book your next trip.
  • Better Money Habits®: Learn how responsibly handle your credit.
  • Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Click ‘Apply Now’ to see the full terms and conditions.
This no-fee travel credit card for students offers unlimited 1.5x points per $1 spent on all purchases, along with a generous welcome bonus, and 0% APR intro offers for purchases and balance transfers. However, it lacks specific travel benefits.

Premium Rewards® Elite

Apply now

On Bank of America's Secure Website

Premium Rewards® Elite
4.5

Annual fee:
$550

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x points for every $1 spent on travel and dining. Earn 1.5x points on all other purchases.

1.5x - 3.5x Points

Welcome Offer Earn 75,000 bonus points (a $750 value) after spending $5,000 in the first 90 days of your account opening.

75,000 Points

  • Welcome Offer: Earn 75,000 bonus points after spending $5,000 within the first 90 days of account opening.
  • 2x Points: On travel and dining.
  • 1.5x Points: On all other purchases.
  • Annual Fee: $550.
  • Foreign Transaction Fees: None.
  • Preferred Rewards®: Get more rewards by enrolling in the Preferred Rewards program. Preferred Rewards members earn 25% - 75% more points on every purchase. That means you could earn 2.5x to 3.5x points on travel and dining, and 1.87x to 2.62x points on all other purchases.
  • Redeem Rewards: For travel, cash, distinctive experiences, or gift cards. Plus, save 20% on airfare when you pay with points through the Bank of America Travel Center.
  • Up to $300 for Airline-Related Expenses: Enjoy a $300 annual travel statement credit for qualifying travel purchases such as seat upgrades, baggage fees, in-flight services, and lounge fees.
  • Up to $150 for Lifestyle Conveniences: Enjoy a $150 annual statement credit for lifestyle conveniences, including streaming services, food delivery, fitness subscriptions, and rideshare services.
  • Global Entry/TSA PreCheck®: Get up to $100 every four years for TSA PreCheck® or Global Entry Application fees.
  • Airfare Savings: Get 20% savings on domestic or international airfare for any class when you pay with points through the Bank of America Travel Center or the Concierge.
  • Airport Lounge Access: Enjoy complimentary Priority Pass™ Select Membership which gives you unlimited Airport Lounge Access (1,300+ VIP lounges in over 500 cities worldwide) and more.
  • Visa Infinite® Experiences: Include Luxury Hotel Collection, Full Service Concierge, and Rental Car Privileges.
  • Travel Benefits: Include Roadside Dispatch®, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, Common Carrier Travel Accident Insurance, Emergency Evacuation and Repatriation of Remains Coverage.
  • Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
  • Regular APR: 20.24% - 28.24% Variable APR.
  • Balance Transfer Fees: 4% of each transfer amount.
  • Click ‘Apply Now’ to see the full terms and conditions.
Bank of America® Premium Rewards® Elite is a travel reward credit card with an unlimited 2x flat rate on travel and dining and 1.5x on all other purchases. Great additions are a welcome bonus, flexibility in how you redeem your points, unlimited airport lounge access, and other travel benefits and perks.

Amazon Visa

Apply now

On Chase's Secure Website

Amazon Visa
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $50 Amazon Gift Card instantly upon approval.

$50 Amazon Gift Card

Welcome Offer

Earn a $50 Amazon gift card instantly upon approval.


Rewards

  • 3% Cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
  • 2% Cashback at restaurants, gas stations, and on local transit and commuting.
  • 1% Cashback on all other purchases.

  • No annual fee.
  • No foreign transaction fees.
  • Interest-free payments: Choose 3% cashback or 0% intro APR for 6-12 months on purchases $50 or more at Amazon.com or eligible retailers with Amazon Pay.
  • Redeem your points: For cashback, gift cards, travel, or purchases at Amazon.com. Points can be redeemed the next day.
  • Chase offers: Access great deals without needing coupons, codes, or registration. Just add the offer to your card and use it.
  • Authorized users: Add users for free and share your credit line while earning rewards on their purchases.
  • Extended Warranty Protection: Adds one year to the manufacturer’s U.S. warranty on eligible warranties of three years or less.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Dispatch®, Travel Accident Insurance, and Travel and Emergency Assistance Services.
  • Visa Signature® Experiences: Access to Luxury Hotel Collection and Concierge Services.
  • Additional features: Digital Wallet, fraud protection, zero liability protection, 24/7 customer service, automatic accounts alerts, Chase Credit Journey, chip-enabled for enhanced security, and contactless checkout.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
If you are an Amazon shopper who buys groceries at Whole Foods Market but doesn't have an Amazon Prime membership, this card could be a great option for you. You can earn 3% cashback at Amazon.com and Whole Foods Market, making it highly rewarding for frequent shoppers. Additionally, the card offers standout travel benefits, an extended warranty, and purchase protection against damage or theft. these features making it a strong choice for those who shop and travel frequently. However, be aware of the potentially high APR on purchases and balance transfers.

Slate Edge®

Apply now

On Chase's Secure Website

Slate Edge®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 18 months

Balance Transfers: 0%, 18 months

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • Annual fee: None.
  • Foreign transaction fees: 3% of the amount of each transaction in U.S. dollars.
  • 0% Intro APR on Purchases and Balance Transfers: For 18 months from account opening.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.49% - 28.24% applies to purchases and balance transfers.
  • Lower your interest rate: You will be automatically considered for an APR reduction by 2% when you pay on time and spend at least $1,000 on your card each year until your APR reaches the Prime Rate plus 9.74%.
  • Raise your credit limit: Get an automatic, one-time review for a higher credit limit when you pay on time and spend $500 in your first six months.
  • DoorDash: Get a complimentary three months of DashPass. After that, you are automatically enrolled in DashPass at 50% off for the next nine months. Activate by January 31, 2025. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com. No coupons, codes, or vouchers needed. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the warranty period by one additional year on eligible warranties of 3 years or less.
  • Travel benefits: Includes Roadside Dispatch® and Auto Rental Collision Damage Waiver.
  • Additional features: Includes Chase Credit Journey, zero liability protection, 24/7 fraud monitoring, embedded chip for enhanced security, contactless checkout, digital wallet, automatic accounts alerts, card replacement, and 24/7 customer service.
  • Click ‘Apply Now’ to see the full terms and conditions.
Slate Edge℠ Credit Card offers 0% intro APR on purchases and balance transfers for 18 months, making it a good option for those who need extra time to pay off an existing balance. However, this card does not come with a reward program. If Chase is not your preferred choice for banking, there are some other card options with even better offers and a longer 0% APR term.

Sapphire Preferred®

Apply now

On Chase's Secure Website

Sapphire Preferred®
4.7

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on travel through Chase Travel and 2x points on other travel purchases. Earn 3x points on dining, eligible online grocery purchases, and select streaming services. Earn 1x point on all other purchases.

1x - 5x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 in the first three months. That's worth $750 when redeemed for travel through Chase Travel or $600 for cash.

60,000 Points

Welcome offer

Earn 60,000 bonus points after spending $4,000 in the first three months. That’s worth $750 when redeemed for travel through Chase Travel or $600 for cash.


  • Points on travel: 5x points on travel through Chase Travel, 2x points on other travel purchases.
  • Points on dining and more: 3x points on dining, eligible online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services.
  • Points on other purchases:: 1x point on all other purchases.
  • Lyft rides: Earn 5x points on qualifying Lyft rides through 03/2025.
  • Peloton purchases: Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025.
  • Annual fee: $95.
  • Foreign transaction fees: None.
  • Authorized user fee: None.
  • Annual travel credit: Get up to $50 in statement credits each year for hotel stays through Chase Travel.
  • Anniversary points bonus: Earn bonus points equal to 10% of your total spend in points from the previous year, at a rate of 1 point for each $1 spent.
  • Redeem your rewards: For cash, gift cards, travel, or pay with points. Get 25% more value when redeemed for travel.
  • Points transfer: 1:1 points transfer for Chase’s airline and hotel partners.
  • DoorDash: Complimentary DoorDash Pass membership for one year (a $120 value) when activated by December 31, 2024.
  • Exclusive offers: Early-access tickets, priority seating, and exclusive access to events with Sapphire offers, Chase Dining℠, and more.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Trip Delay Reimbursement, Travel and Emergency Assistance Services, Travel Accident Insurance, Lost Luggage Reimbursement, and Roadside Assistance.
  • Ennismore hotel benefits: VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts. Enjoy complimentary 4th night, room upgrades, late checkouts, priority cabana reservations, a $30 food and beverage credit, and more.
  • Visa Concierge: Get complimentary Visa Signature® Concierge Service 24 hours a day.
  • Additional card features: 24/7 customer service, digital wallets, fraud protection, zero liability protection, chip-enabled for enhanced security, and contactless checkout.
  • Regular APR: 20.49% - 27.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Chase Sapphire Preferred® is a premium travel rewards credit card that stands out among its peers. With a generous sign-up bonus, flexible redemption options, purchase protection benefits, and valuable travel benefits, it's the go-to choice for frequent travelers and adventurers. Enjoy earning valuable points on travel, dining, and online grocery purchases. Benefit from no foreign transaction fees and access to exclusive travel perks. Maximize your rewards and enjoy added peace of mind with Chase Sapphire Preferred®.

Freedom Rise℠

Apply now

On Chase's Secure Website

Freedom Rise℠
4.6

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

25.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

New To Credit

Rewards Earn unlimited 1.5% cashback on all your purchases.

1.5% Cashback

Welcome Offer Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.

$25

  • $25 for Enrolling in Autopay: Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account.
  • Improve Your Approval Chances: Applicants who have never had a credit card can increase their chances of getting approved for Chase Freedom Rise℠ by maintaining a Chase checking or savings account with at least $250 before applying.
  • Earn unlimited 1.5% cashback on all your purchases.
  • Lyft: Earn 5% cashback on qualifying Lyft rides through 03/31/2025.
  • Credit Limit Increase: Your credit will be evaluated for a potential increase after just six months of having the Chase Freedom Rise℠ card.
  • Card Upgrade: You will be automatically evaluated each year to upgrade to your first Chase Freedom Unlimited® card.
  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
  • Redeem Rewards: For cashback, travel, gift cards, or shop with points at Amazon.com, and more.
  • DoorDash: Receive a complimentary 3-month DashPass membership. After that, you’ll be automatically enrolled in DashPass at a 50% discount for the following 9 months. Activate by December 31, 2024.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, with coverage up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the time period of warranty coverage by one additional year on original eligible warranties of 3 years or less.
  • Travel Benefits: Include Trip Cancellation and Interruption Insurance.
  • Additional features: Include Chase Credit Journey, zero liability protection, 24/7 fraud monitoring, lock/unlock feature, contactless pay, and digital wallets.
  • Regular APR: 25.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Chase Freedom Rise℠ is an excellent choice for individuals looking to establish their credit history while earning rewards on everyday purchases. With features like unlimited cashback, valuable purchase protection benefits, and a focus on card simplicity, it provides a solid foundation for building credit and maximizing rewards.

Autograph℠

Apply now

On Wells Fargo's Secure Website

Autograph℠
4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

19.24% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x points per $1 spent on restaurants, travel, gas, transit, popular streaming services, and phone plans. Earn 1x points on all other purchases.

1x - 3x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first 3 months – that’s a $200 cash redemption value.

20,000 Points

  • Welcome Offer: Earn 20,000 bonus points after spending $1,000 within the first 3 months of account opening.
  • 3x Points: On restaurants, travel, gas, transit, popular streaming services, and phone plans.
  • 1x Points: On all other purchases.
  • Annual fee: None.
  • Foreign Transaction Fee: None.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.24% - 29.24% applies to purchases and balance transfers.
  • Redeem Rewards: For travel, gift cards, purchases, when you checkout with PayPal, and more.
  • Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • My Wells Fargo Deals: Access personalized deals from various merchants and earn cashback on your purchases. Activate a deal, review its terms, and shop at the participating merchant with your eligible card. Cashback will be credited to your statement or account.
  • Autograph Card Exclusives: Enjoy exclusive access to tickets to live events with popular artists, bringing you closer to the action than ever before with your Wells Fargo Autograph℠ Credit Card.
  • Visa Signature® Experiences: Include Luxury Hotel Collection and Concierge Services.
  • Travel Benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
  • Additional Features: Include emergency cash disbursement and card replacement, zero liability protection, and Credit Close-up℠.
  • Click ‘Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo is a good option for earning bonus rewards on travel and everyday purchases. Great additions are a welcome bonus, a 0% intro APR offer on purchases, Visa Signature® benefits and perks.

Active Cash®

Apply now

On Wells Fargo's Secure Website

Active Cash®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

19.24% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards 2% unlimited cashback on all purchases with no categories to track or quarterly activations.

2% Cashback

Welcome Offer Earn a $200 cash rewards bonus when you spend $500 on purchases in the first 3 months.

$200

  • Welcome Offer: Earn a $200 cash rewards bonus when you spend $500 on purchases in the first 3 months from account opening.
  • 2% Unlimited Cashback: Earn unlimited 2% cash rewards on all purchases, without tracking categories or quarterly activations.
  • Annual Fee: None.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • 0% Intro APR on Balance Transfers: For 12 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.24% - 29.24% applies to purchases and balance transfers.
  • Foreign Transaction Fees: 3% of each transaction converted to U.S. dollars.
  • Redeem Rewards: Redeem for statement credits, purchases, gift cards, travel, and more.
  • Cell Phone Protection: Receive up to $600 coverage against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • My Wells Fargo Deals: Access personalized cashback deals from various merchants. Activate deals, view terms, and earn cashback on purchases.
  • Visa Signature® Experiences: Access Luxury Hotel Collection and Concierge Services.
  • Travel benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
  • Additional features: Include zero liability protection, Credit Close-Up℠, and emergency cash disbursement and card replacement.
  • Click ‘Apply Now’ to see the full terms and conditions.
Wells Fargo Active Cash® is a standout cash reward card offering the highest 2% flat rate unlimited cashback on all purchases. It includes a welcome cash bonus, along with 0% introductory APR offers on purchases and balance transfers.