Wells FargoBest for No-fee flat 2% cash back
Wells Fargo Active Cash®
Annual Fee
$0
Rewards Rate
2%
Intro Offer
$200
Regular APR
19.49%-29.49% Variable
Wells Fargo Active Cash®
Wells Fargo Active Cash®
Unlimited 2% cash back. $200 bonus. No annual fee.
Our take
The best no-annual-fee flat-rate cash back card on the market. 2% on everything with no category hassles, plus 0% intro APR for 15 months. Direct competitor to Citi Double Cash with a better intro offer.
Highlights
What we like
2% cash back on all purchases
$200 sign-up bonus
No annual fee
0% intro APR for 15 months
The trade-off
3% foreign transaction fee
No bonus categories for heavy spenders
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 2% |
| Rewards type | Cash back |
| Bonus categories | 2% on all |
| Welcome offer | $200 |
| Offer requirements | after $500 spend in first 3 months |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 months |
| Ongoing APR | 19.49%-29.49% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
after $500 spend in first 3 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Wells Fargo Active Cash®