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 * Credit Card Categories
 * Critics' Choice
 * Low APR
 * Cash Back
 * Rewards
 * Travel
 * Balance Transfer
 * Student
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Advertiser Disclosure


ADVERTISER DISCLOSURE

At CardCritics, it is our goal to provide you with information to help you make
educated choices about credit cards. We have not reviewed all available products
and offers but are confident that we are providing the information you need to
make a sound decision.

The products featured on our site are from our partners which is how we make
money. The financial compensation we receive may impact where and how cards
appear on our site, but it does not impact our critical analysis. All opinions,
analyses, reviews and recommendations expressed on our site are those of the
author's alone and have not been reviewed, approved or otherwise endorsed by any
card issuer.


By P. Griffiths
Last Updated Feb 16, 2024


HANDS DOWN THE TOP CARD OF 2024


THE WELLS FARGO ACTIVE CASH® CARD OFFERS A $200 CASH REWARDS BONUS WHEN YOU
SPEND $500 IN PURCHASES IN THE FIRST THREE MONTHS.

Apply Now
On Wells Fargo’s secure site
Rates and Fees

FACT CHECKED

Every article we publish is fact-checked by our editors ensuring adherence to
the highest standards. All article information is verified against reputable
sources and experts in the field. x

Wells Fargo really disrupted the cash back credit card space when they released
their Wells Fargo Active Cash® Card. It is hard to compete with what this card
has to offer and we have broken down all of the details below.


EARN UNLIMITED 2% CASH REWARDS

The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on purchases.
Other cards that offer higher percentages only do so on certain categories
(groceries or gas, for instance) and usually limit how much you can earn in
those categories. With the Wells Fargo Active Cash® Card you don’t have to worry
about any caps, categories or activating your rewards since you’ll automatically
earn 2% on your purchases. This 2% rate is tough to beat and makes this no
annual fee card a stand out option for anyone with good to excellent credit that
is looking for a low-maintenance cash rewards card that will allow you to
accumulate cash rewards really quickly. 


$200 CASH REWARDS BONUS

The Wells Fargo Active Cash® Card also has an incredible welcome bonus worth
$200 in cash rewards that can be earned by spending at least $500 in purchases
in the first three months after you are approved. This means you are getting
another 40% back on the first $500 you spend.

The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on purchases.
Apply Now
on Wells Fargo's secure site
Rates and Fees


GENEROUS INTRODUCTORY APR

Those seeking a 0% intro APR will be happy to hear that the Wells Fargo Active
Cash® Card allows you to pay 0% interest for 15 months from account opening on
purchases and qualifying balance transfers, followed by a 20.24%, 25.24%, or
29.99% Variable APR. There is an introductory balance transfer fee (3% for 120
days from account opening, then up to 5%, min: $5) but if you are paying
interest on your other card(s) the fee is likely much lower than the interest
charges you are accruing each month.


ADDITIONAL BENEFITS

Another unique perk offered is cell phone protection. Simply use your Wells
Fargo Active Cash® Card to pay your cellular telephone bill and you can get up
to $600 of protection on your cell phone (subject to $25 deductible) against
covered damage or theft. This will help give you peace of mind that your cell
phone is protected while saving you money by not needing to pay out of pocket
for the protection through another provider.

Apply Now
on Wells Fargo's secure site
Rates and Fees



WELLS FARGO ACTIVE CASH® CARD

Annual Fee
$0
Cash Rewards
Earn unlimited 2% cash rewards on purchases.
Purchase APR
0% intro APR for 15 months from account opening, then 20.24%, 25.24%, or 29.99%
Variable APR
Balance Transfer APR
0% intro APR for 15 months from account opening on qualifying balance transfers,
then 20.24%, 25.24%, or 29.99% Variable APR
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3
months
Recommended Credit Score
Excellent/Good 670 – 850*
View All Card Details
Apply
X Advertiser Disclosure


ADVERTISER DISCLOSURE

At CardCritics, it is our goal to provide you with information to help you make
educated choices about credit cards. We have not reviewed all available products
and offers but are confident that we are providing the information you need to
make a sound decision.

The products featured on our site are from our partners which is how we make
money. The financial compensation we receive may impact where and how cards
appear on our site, but it does not impact our critical analysis. All opinions,
analyses, reviews and recommendations expressed on our site are those of the
author’s alone and have not been reviewed, approved or otherwise endorsed by any
card issuer.


WELLS FARGO ACTIVE CASH® CARD

Apply Now
on Wells Fargo's secure site


CRITICS' OVERVIEW

If you are looking for a flat-rate cash rewards card that also offers a long
intro APR on purchases and balance transfers then this card is a great option.
You will pay no annual fee, can earn an intro bonus and protect your cell phone
from damage or theft. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro APR for 15 months from account opening on purchases and qualifying
balance transfers, then a 20.24%, 25.24%, or 29.99% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0

CARD DETAILS FROM ISSUER

 * Select “Apply Now” to take advantage of this specific offer and learn more
   about product features, terms and conditions.
 * Earn a $200 cash rewards bonus after spending $500 in purchases in the first
   3 months.
 * Earn unlimited 2% cash rewards on purchases.
 * 0% intro APR for 15 months from account opening on purchases and qualifying
   balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance
   transfers made within 120 days qualify for the intro rate and fee of 3% then
   a BT fee of up to 5%, min: $5.
 * $0 annual fee.
 * No categories to track or remember and cash rewards don’t expire as long as
   your account remains open.
 * Find tickets to top sports and entertainment events, book travel, make dinner
   reservations and more with your complimentary 24/7 Visa Signature® Concierge.
 * Up to $600 of cell phone protection against damage or theft. Subject to a $25
   deductible.

Rates and Fees
Apply Now
On Wells Fargo's Secure site



OTHER REWARDS CARD OPTIONS

We think the Wells Fargo Active Cash® Card is tough to beat but we have rounded
up some other options from our partners that may appeal to you as well.


UNLIMITED 3X REWARDS ON RESTAURANTS, TRAVEL, GAS & MORE

Apply Now
On Wells Fargo’s secure site
Recommended Credit Score
670 – 850*
Rates and Fees
View All Card Details


WELLS FARGO AUTOGRAPH℠ CARD

This $0 annual fee credit card is a top-rated rewards card that offers unlimited
3X points on restaurants, travel, gas stations, transit, popular streaming
services and phone plans. There are no caps to worry about and no rewards
calendars to keep track of. Plus you will also earn 1X on your other purchases.
New card members can also earn an impressive 20,000-point welcome bonus after
spending $1,000 in the first three months. This bonus has a $200 cash redemption
value! In addition to the cash redemption option, you can also redeem your
rewards for travel, gift cards, and more. And while there is no intro APR offer
for balance transfers it does offer a 0% intro APR for 12 months from account
opening on purchases, followed by a 20.24%, 25.24%, or 29.99% Variable APR.

Apply
X Advertiser Disclosure


ADVERTISER DISCLOSURE

At CardCritics, it is our goal to provide you with information to help you make
educated choices about credit cards. We have not reviewed all available products
and offers but are confident that we are providing the information you need to
make a sound decision.

The products featured on our site are from our partners which is how we make
money. The financial compensation we receive may impact where and how cards
appear on our site, but it does not impact our critical analysis. All opinions,
analyses, reviews and recommendations expressed on our site are those of the
author’s alone and have not been reviewed, approved or otherwise endorsed by any
card issuer.


WELLS FARGO AUTOGRAPH℠ CARD

Apply Now
on Wells Fargo's secure site


CRITICS' OVERVIEW

This rewards card from Wells Fargo offers a seriously impressive lineup of
benefits, especially for a card without an annual fee. You will earn 20,000
bonus points (a $200 cash redemption value) when you spend $1,000 in purchases
in the first 3 months. Your ongoing rewards can add up quickly as well since you
earn 3X points at restaurants, gas stations and on travel, transit and popular
streaming services. There are no category limits to worry about and you can earn
1X points on your other purchases. Read our in-depth Critical Analysis to learn
more.
Purchase APR
0% intro APR for 12 months from account opening, then 20.24%, 25.24%, or 29.99%
Variable APR
Balance Transfer APR
20.24%, 25.24%, or 29.99% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0

CARD DETAILS FROM ISSUER

 * Select “Apply Now” to take advantage of this specific offer and learn more
   about product features, terms and conditions.
 * Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3
   months – that’s a $200 cash redemption value.
 * Earn unlimited 3X points on the things that really add up – like restaurants,
   travel, gas stations, transit, popular streaming services, and phone plans.
   Plus, earn 1X points on other purchases.
 * $0 annual fee.
 * 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%,
   or 29.99% variable APR thereafter.
 * Up to $600 of cell phone protection against damage or theft. Subject to a $25
   deductible.
 * Redeem your rewards points for travel, gift cards, or statement credits. Or
   shop at millions of online stores and redeem your rewards when you check out
   with PayPal.
 * Find tickets to top sports and entertainment events, book travel, make dinner
   reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Rates and Fees
Apply Now
On Wells Fargo's Secure site



GENEROUS BONUS & INTRO APR

Apply Now
On Bank of America’s secure site
Recommended Credit Score
670 – 850*

View All Card Details


BANK OF AMERICA® TRAVEL REWARDS CREDIT CARD

If you prefer a $0 annual fee card that will help you earn points towards travel
and dining purchases then this card is likely your top option. With the Bank of
America® Travel Rewards credit card you will earn a straightforward, unlimited
1.5 points per $1 spent on all purchases. You can also earn 25,000 online bonus
points after you make at least $1,000 in purchases in the first 90 days of
account opening. These bonus points can be redeemed for a $250 statement credit
toward travel and dining purchases. Unlike most travel cards this option also
offers a generous intro APR. It offers 0% Intro APR for 15 billing cycles for
purchases, and for any balance transfers made in the first 60 days. After the
intro APR offer ends a 18.24% – 28.24% Variable APR will apply.

Apply
X Advertiser Disclosure


ADVERTISER DISCLOSURE

At CardCritics, it is our goal to provide you with information to help you make
educated choices about credit cards. We have not reviewed all available products
and offers but are confident that we are providing the information you need to
make a sound decision.

The products featured on our site are from our partners which is how we make
money. The financial compensation we receive may impact where and how cards
appear on our site, but it does not impact our critical analysis. All opinions,
analyses, reviews and recommendations expressed on our site are those of the
author’s alone and have not been reviewed, approved or otherwise endorsed by any
card issuer.


BANK OF AMERICA® TRAVEL REWARDS CREDIT CARD

Apply Now
on Bank of America's secure site
Updated February 16, 2024


CRITICS' OVERVIEW

This is a great travel card for those who don’t want to pay an annual fee, are
looking for a straightforward way to earn and redeem their rewards and want to
save money with a generous intro APR. You’ll earn 1.5 points per dollar spent on
all purchases and can easily earn 25,000 online bonus points (redeemable for a
$250 statement credit toward travel purchases) when you spend at least $1,000 on
purchases in the first 90 days of your account opening.
Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers
made in the first 60 days. After the intro APR offer ends a 18.24% – 28.24%
Variable APR will apply.
Recommended Credit Score
Excellent/Good (670 – 850*)
Annual Fee
$0

CARD DETAILS FROM ISSUER

 * Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee
   and no foreign transaction fees and your points don’t expire as long as your
   account remains open.
 * 25,000 online bonus points after you make at least $1,000 in purchases in the
   first 90 days of account opening – that can be a $250 statement credit toward
   travel purchases.
 * Use your card to book your trip how and where you want – you’re not limited
   to specific websites with blackout dates or restrictions.
 * Redeem points for a statement credit to pay for travel or dining purchases,
   such as flights, hotel stays, car and vacation rentals, baggage fees, and
   also at restaurants including takeout.
 * 0% Intro APR for 15 billing cycles for purchases, and for any balance
   transfers made in the first 60 days. After the Intro APR offer ends, a
   Variable APR that’s currently 18.24% – 28.24% will apply. A 3% Intro balance
   transfer fee will apply for the first 60 days your account is open. After the
   Intro balance transfer fee offer ends, the fee for future balance transfers
   is 4%.
 * If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75%
   more points on every purchase. That means instead of earning an unlimited 1.5
   points for every $1, you could earn 1.87-2.62 points for every $1 you spend
   on purchases.
 * Contactless Cards – The security of a chip card, with the convenience of a
   tap.
 * This online only offer may not be available if you leave this page or if you
   visit a Bank of America financial center. You can take advantage of this
   offer when you apply now.

Apply Now
On Bank of America's Secure site



QUICK AND SIMPLE REWARDS

Apply Now
On Capital One’s secure site
Recommended Credit Score
670 – 850*
Rates and Fees
View All Card Details


CAPITAL ONE QUICKSILVER CASH REWARDS CREDIT CARD

The Capital One Quicksilver Cash Rewards Credit Card stacks up very well against
other top-tier cash back cards as it offers an unlimited 1.5% cash back on
everyday purchases and 5% cash back on hotels and rental cars booked through
Capital One Travel. As a welcome offer, new card members can earn a $200 cash
bonus after spending $500 within the first 3 months. This is a lower spending
requirement than most cash back cards which means you can easily achieve this
bonus with everyday purchases. You will also get 6 months of complimentary Uber
One membership (through 11/14/24) and access to exclusive reservations and
dining experiences through Capital One Dining. You will also benefit from a 0%
intro on purchases and balance transfers for 15 months, then 19.99% – 29.99%
(Variable) APR will apply. A balance transfer fee applies but this fee is
usually worth it if you’re currently carrying a balance on another card that
charges interest. That’s an extensive list of benefits, especially for a card
that does not charge an annual fee.

Apply
X Advertiser Disclosure


ADVERTISER DISCLOSURE

At CardCritics, it is our goal to provide you with information to help you make
educated choices about credit cards. We have not reviewed all available products
and offers but are confident that we are providing the information you need to
make a sound decision.

The products featured on our site are from our partners which is how we make
money. The financial compensation we receive may impact where and how cards
appear on our site, but it does not impact our critical analysis. All opinions,
analyses, reviews and recommendations expressed on our site are those of the
author’s alone and have not been reviewed, approved or otherwise endorsed by any
card issuer.


CAPITAL ONE QUICKSILVER CASH REWARDS CREDIT CARD

Apply Now
on Capital One's secure site


CRITICS' OVERVIEW

This $0 annual fee cash back credit card offers unlimited 1.5% cash back on
every purchase making it an excellent, straightforward option for those looking
for a flat rate credit card. You will also earn an elevated cash back rate on
hotels and rental cars booked through Capital One Travel. There is a generous
online cash rewards bonus and a lengthy intro APR on purchases and balance
transfers. Read our in-depth Critical Analysis to learn more.
Purchase & Balance Transfer APR
0% intro on purchases and balance transfers for 15 months, then 19.99% – 29.99%
(Variable)
Recommended Credit Score
Excellent, Good (670 – 850*)
Annual Fee
$0

CARD DETAILS FROM ISSUER

 * Earn a one-time $200 cash bonus after you spend $500 on purchases within 3
   months from account opening
 * Earn unlimited 1.5% cash back on every purchase, every day
 * $0 annual fee and no foreign transaction fees
 * Enjoy up to 6 months of complimentary Uber One membership statement credits
   through 11/14/2024
 * Earn unlimited 5% cash back on hotels and rental cars booked through Capital
   One Travel, where you’ll get Capital One’s best prices on thousands of trip
   options. Terms apply
 * No rotating categories or sign-ups needed to earn cash rewards; plus, cash
   back won’t expire for the life of the account and there’s no limit to how
   much you can earn
 * 0% intro APR on purchases and balance transfers for 15 months; 19.99% –
   29.99% variable APR after that; balance transfer fee applies

Rates and Fees
Apply Now
On Capital One's Secure site



ROTATING & YEAR-ROUND REWARDS



If you spend regularly on dining, takeout, and drugstore purchases, then the
Chase Freedom Flex card would be a great addition to your wallet as cardholders
earn 3% cash back in those categories. You will also earn 5% cash back in bonus
categories (up to $1,500 in combined purchases) and 5% cash back on travel when
booked through Chase. All other purchases earn unlimited 1% cash back. There is
no annual fee and new cardmembers can also benefit from a 0% intro APR on
purchases and balance transfers for 15 months, then a 20.49% – 29.24% Variable
will apply. You can also kick off your cash back earnings with a $200 welcome
bonus that can be earned by spending $500 on purchases within the first 3 months
from account opening.



--------------------------------------------------------------------------------



As you can see, it is a great time to be in the market for a new rewards credit
card. Issuers are really stepping up their game and offering incredible perks to
win your business. If you have good to excellent credit in the 670 – 850* range
and have not recently applied for a new credit card then you should definitely
apply for one of these stand out options today.



The information related to The Chase Freedom Flex℠ card was collected by
CardCritics and has not been reviewed or provided by the issuer of this
product/card. Product details may vary. Please see issuer website for current
information. CardCritics does not receive a commission for this product.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are
those of the author’s alone, and have not been reviewed, approved or otherwise
endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of
credit scores. A financial institution may use a different score when evaluating
your application.





© 2024 CardCritics, Inc. All Rights Reserved

About Us | Terms of Use | Privacy Policy



Advertiser Disclosure: At CardCritics, it is our goal to provide you with
information to help you make educated choices about credit cards. We have not
reviewed all available products and offers, but are confident that we are
providing the information you need to make a sound decision.

The products featured on our site are from our partners which is how we make
money. The financial compensation we receive may impact where and how cards
appear on our site, but it does not impact our critical analysis. All opinions,
analyses, reviews and recommendations expressed on our site are those of the
author’s alone and have not been reviewed, approved or otherwise endorsed by any
card issuer.

We do our best to keep all of the information on our site accurate and up to
date; however, all credit card information is presented without warranty.



X
Apply Now

On Wells Fargo’s Secure Website


HEADS UP!




YOU CAN EARN A $200 CASH REWARDS BONUS + EARN UNLIMITED 2% CASH REWARDS.




APPLY TODAY!