Wells Fargo · personal · visa
Active Cash
The benchmark no-fee 2% card: flat rewards, an easy $200 bonus on just $500 spend, cell-phone protection, and a year of 0% APR. Its only real flaw is the 3% foreign transaction fee — leave it home when you travel abroad.
Current public offer
$200 cash rewards bonus after $500 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 12 months on purchases and balance transfers (BT within 120 days), then 18.49%/24.49%/28.49% variable
- Suggested credit: Good / Excellent
Earning
- Unlimited 2% cash rewards on purchases
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.