Wells Fargo Active Cash
Flat 2% with cell phone protection thrown in.
★ 8.2/10Wells FargopersonalCash Back
View Current OfferBest for: Effortless flat-rate cash back
Welcome Bonus
$200
≈$200 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash rewards
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Sign-Up Bonus (value)Spending Requirement ($)
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cell phone protection up to $600
- ✦0% intro APR window
Why it earns its spot
- +Easiest $200 bonus in the market ($500 spend)
- +2% + phone insurance for free
Where it costs you
- −3% FTF
- −Rewards are cash-only unless you add Autograph Journey later
The Compound Verdict
The lowest-friction bonus on the board and a permanent 2% floor. A fine first card and a fine hundredth card.
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