Here's the Only Credit Card You Need in 2025

Published on Aug. 14, 2025

Ryan Wilcox

By: Ryan Wilcox

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If you're looking for a go-to credit card that earns easy cash rewards, I've got one for you: the Wells Fargo Active Cash® Card (rates and fees).

I've written about credit cards for years, but the Wells Fargo Active Cash® Card is one of the few I actually have in my wallet. That's because it's simple, rewarding, and doesn't charge an annual fee, making it a smart all-around pick for virtually anyone.

Here's why it stands out, and why it's the only rewards card you need in 2025.

Unlimited 2% cash rewards on all purchases

The Wells Fargo Active Cash® Card racks up 2% cash rewards on all purchases, with no rotating categories to track and no caps on your earnings. Whether you're buying groceries, filling up your gas tank, or even paying bills, you'll earn the same flat rate across the board.

There are other cards that offer higher rates in specific categories, but a 2% cash rewards rate on all purchases is hard to beat. And since most other cards only earn 1% back on purchases outside their bonus areas, the Wells Fargo Active Cash® Card will often end up ahead on everyday spending.

For me, that versatility is what makes the Wells Fargo Active Cash® Card so great. I don't have to plan my spending or juggle a bunch of different cards. I just use it everywhere I go, knowing I'm getting a solid rewards rate no matter what.

Want to see how it compares? Read our Wells Fargo Active Cash® Card review to decide if it's the right fit for you.

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Active Cash® Card

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Active Cash® Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • 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 and a decent intro APR offer. We simply haven’t come across this combination of top perks in one card before.

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    • 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
    • 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. 19.24%, 24.24%, or 29.24% 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.

An easy welcome bonus, plus 0% intro APR

Here's another plus: Wells Fargo Active Cash® Card holders can earn a $200 cash rewards bonus after spending just $500 in the first 3 months.

That's one of the easiest-to-earn card bonuses you'll ever see -- I hit it in a few weeks, then deposited the $200 directly to my checking account. Since the Wells Fargo Active Cash® Card doesn't have an annual fee, that means I was already up $200 lifetime on the card.

The Wells Fargo Active Cash® Card also offers a 0% intro APR for 12 months from account opening on qualifying balance transfers and purchases. After that, a variable APR applies.

This can be helpful if you're planning a big purchase or looking to move high-interest debt from another card. Just know that balance transfers come with a balance transfer fee of 3% for 120 days from account opening, then up to 5%, min: $5.

A top option if you only want one card

If you don't want to deal with a stack of credit cards or memorize any rewards calendar, the Wells Fargo Active Cash® Card is one of the best options out there.

You'll get consistent rewards, an easy bonus, and a 0% intro APR for 12 months from account opening on qualifying balance transfers and purchases, all without an annual fee. If you're looking for a card that can cover your everyday spending without extra effort, this one checks every box.

Still want to explore your options? See our list of the best cash back cards available now.

Our Research Expert

Ryan Wilcox
Ryan Wilcox

Ryan is a full-time Personal Finance Writer at Motley Fool Money. He’s been covering topics like credit cards and savings since 2022, focusing on helping people who are new to the world of personal finance.