Earn 2% on Everything: This Wells Fargo Credit Card Was Just Named Best for 2026
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Most credit cards are designed with different types of people in mind: Frequent flyers, business owners, or big spenders. But there are a select few that can add tons of value to basically anyone's bottom line -- and one of them is the Wells Fargo Active Cash® Card (rates and fees).
The Wells Fargo Active Cash® Card earns unlimited 2% cash rewards on every purchase for no annual fee. That's one of the simplest value propositions you'll find on any card -- it's no wonder we just named it the Best Overall Credit Card of 2026.
Here's what to know about the Wells Fargo Active Cash® Card and why now's a great time to apply.
Earn an easy $200 in bonus cash
First, the Wells Fargo Active Cash® Card has one of the easiest-to-earn welcome bonuses of any card. Right now, you can earn a $200 cash rewards bonus after you spend $500 in purchases in the first 3 months.
That's one of the lowest spend thresholds you'll find on any credit card. If you can hit it, you'll land $200 in cash rewards that can be redeemed as statement credits, direct deposits, gift cards, or travel.
Want even more value? If you pair your Wells Fargo Active Cash® Card with a Wells Fargo travel card like the Wells Fargo Autograph® Card (rates and fees), you can transfer your rewards to a small number of hotel and airline partners. It's just one more way the Wells Fargo Active Cash® Card is a great fit for travelers and cash-rewards lovers alike.
Ready to start earning your bonus? Read our full review of the Wells Fargo Active Cash® Card and apply today.
2026 Award Winner
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= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR for 12 months from account opening on purchases
Balance Transfers: 0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.74%, 24.74%, or 28.74% Variable APR
Rewards Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Annual Fee
$0
Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
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This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus after spending $500 in purchases in the first 3 months. The intro APR is decent too -- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (18.74%, 24.74%, or 28.74% Variable APR applies after). We simply haven’t come across this combination of top perks in one card before.
Read Full Review -
- Unlimited 2% cash rewards
- Long 0% intro APR offer
- Generous cash rewards welcome bonus
- No annual fee
- Cellphone protections
- No bonus categories
- Foreign transaction fees
- Balance transfer fee
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- Apply Now to take advantage of this 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 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% 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.
Additional perks that are a fit for everyone
The Wells Fargo Active Cash® Card has more than just a great flat rewards rate and welcome bonus, though. It also comes with:
- Intro APR offer: Get 0% intro for 12 months from account opening on qualifying balance transfers and 12 months from account opening on purchases (then a 18.74%, 24.74%, or 28.74% Variable APR applies)
- Cellphone protection up to $600 when you pay your monthly phone bill with the card ($25 deductible)
If you're looking to pay off existing debt or an upcoming purchase, a year to pay down debt interest-free is a solid way to do it. That's not as long as some of our favorite balance transfer cards, but the Wells Fargo Active Cash® Card is a great option if you want to pay off debt and earn solid rewards. The Wells Fargo Active Cash® Card's cellphone protection can be great in a pinch, too.
Add it all up, and you're looking at one of the easiest credit cards to recommend, thanks to its great catch-all earning rate, lack of an annual fee and additional perks. If you want a card that covers all your bases, the Wells Fargo Active Cash® Card is absolutely worth a look.
Want to rack up 2% cash rewards on every purchase? Read our full review of the Wells Fargo Active Cash® Card and apply today.
For award licensing inquiries, email [email protected].
Our Research Expert
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.