Unlimited 2% cash rewards — Cardholders earn an unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track. There are other cards that offer higher cash back
Unlimited 2% cash rewards — Cardholders earn an unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track.
There are other cards that offer higher cash back rates on certain categories, and while they can be worth it, they do require more effort. And they often are also subject to a cap and limited in what purchases they apply to. The Wells Fargo Active Cash® Card is perfect for someone that wants an easy-to-use card that still offers high rewards: you’ll earn a best-in-class flat rewards right away on your purchases — with no limits or hoops to jump through.
$200 cash rewards sign-up bonus — New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards sign-up bonus for spending just $1,000 in purchases in the first three months. Not only is this a very competitive sign-up bonus for a card with no annual fee, but it’s also one of the things that sets this Wells Fargo credit card apart from other 2% back cards. I’ve yet to come across another credit card with 2% unlimited cash rewards that also has a sign-up bonus.
15-month 0% APR intro offer — New cardholders can enjoy 0% intro APR on both new purchases and eligible balance transfers for a full 15 months. That’s a great offer, even when compared to cards marketed just for a 0% intro APR. It means that this card will allow you to avoid interest on purchases and balance transfers until 2024!
Keep in mind that balance transfers need to be made within the first 120 days to qualify for a reduced interest rate and a lower balance transfer fee.
No annual fee — In many cases, high rewards rates mean high annual fees. Not with the Wells Fargo Active Cash® Card, which sports a $0 annual fee.
Cell phone protection — With the price of a typical cell phone in the hundreds of dollars, having some sort of insurance is a good idea. With this Wells Fargo card, you can get built-in cell phone protection of up to $600 just by paying your cell phone bill with your card. Coverage is subject to a $25 deductible.
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0% introductory APR for 21 months on balance transfers: One of the longest introductory periods on balance transfers we’ve come across, you’ll get a 0% intro APR on the balance transferred for a full 21 months, which means you’ll have almost two years to pay off your balance.
0% introductory APR for 12 months on purchases: You’ll also get a 0% intro APR on new purchases for the first 12 months. This is a helpful perk if you plan on buying anything with the card.
Choose your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card lets you choose from any available payment date, whether it’s in the beginning, middle, or end of the month. That way, you can set up automatic payments that are aligned with your paycheck.
No late fees: One of the most unique perks is that there are no late fees, ever. While you should always pay your bill on time, because late payments can still affect your credit, it’s nice to know that you won’t be charged if you do slip up and miss a payment.
No penalty APR: If you miss some payments, most credit cards will increase your interest rate to their penalty APR. Citi® Simplicity® Card never charges a penalty rate, so your APR isn’t at risk of increasing due to late payments.
No annual fee: This card comes with no annual fee, which is an important feature if your goal is to pay off debt.
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0% intro APR for up to 21 months (on both purchases and balance transfers) — This is where The Wells Fargo Reflect® Card is hard to beat. The card starts with a 0% intro APR on purchases and qualifying balance transfers for 18 months. To make it even better, you can get an intro APR extension for three months, for a total of 21 months. All you need to do is make on-time minimum payments during the intro and extension periods.
It’s worth noting that the intro APR applies to balance transfers made within the first 120 days of opening the account. There is also a balance transfer fee of 3% ($5 minimum) on transfers made within the first 120 days and 5% ($5 minimum) on transfers made after that. Those fee amounts are standard among balance transfer credit cards.
No annual fee — The Wells Fargo Reflect® Card cuts fees in the right places. Case in point, the card has no annual fee.
Cellphone protection — When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). This is one of those underrated credit card perks. You don’t need to pay for cellphone insurance out of pocket, since this card includes protection already.
Special offers — Through My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining, and experiences that you pay for with your eligible Wells Fargo card.
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