My Favorite Credit Card's Offering an Easy $200 Bonus. Why Now's the Time to Apply

Published on May 17, 2025

Ryan Wilcox

By: Ryan Wilcox

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KEY POINTS

  • The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on every purchase.
  • The lack of an annual fee and easy-to-use cash rewards have made this card a personal favorite.
  • You can earn an easy $200 cash rewards welcome bonus after spending just $500 in 3 months.

If I had to keep just one credit card in my wallet, it'd be the Wells Fargo Active Cash® Card (see rates and fees).

Since I got it, I've used it almost exclusively thanks to its simplicity and ease of use. There are no rotating categories, no points to track, and no hoops to jump through. Just straightforward 2% cash rewards on everything I buy.

And right now, it's offering a $200 cash rewards welcome bonus after spending just $500 in the first 3 months -- just one more reason I recommend this card to friends and family. Here's why now is the time to pull the trigger.

Ratings Methodology
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Wells Fargo Active Cash® Card

Apply Now for Wells Fargo Active Cash® Card

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Wells Fargo Active Cash® Card
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Rating image, 5.00 out of 5 stars.
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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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.

Welcome offer: Get $200 after spending just $500

Right now, new cardholders can earn a $200 cash rewards bonus after spending just $500 in the first 3 months of card ownership.

That's an extremely low bar for a welcome bonus -- just about $167 a month. Most people can easily hit that target with everyday spending, like groceries, gas, or bills.

And since the card has a $0 annual fee, you'll already be up $200 after just 90 days or so.

Ready to start earning your bonus? Apply for the Wells Fargo Active Cash® Card today (see rates and fees) for the chance to earn $200 cash rewards after spending $500 on purchases in our first 3 months.

Why I love the Wells Fargo Active Cash® Card

Unlimited 2% cash rewards on all purchases

With the Wells Fargo Active Cash® Card, there's no need to remember different earning rates or activate any bonus categories. You'll earn a flat 2% cash rewards whether you're buying groceries, booking travel, or paying the bills.

That kind of simplicity is hard to beat.

$0 annual fee

Some cash back cards charge $95 or more each year. With the Wells Fargo Active Cash® Card, you'll keep more of your rewards because there's no annual fee eating into your earnings.

Solid intro APR offer

If you're planning a big purchase or have a balance to transfer, this card also offers a 0% intro APR for 12 months from account opening on qualifying balance transfers and purchases (then a go-to variable APR applies). Balance transfers must be made within the first 120 days to qualify for the intro rate.

That gives you plenty of time to pay off debt or a large purchase without interest charges.

Don't wait -- take advantage today

The Wells Fargo Active Cash® Card is my go-to for everyday spending. The unlimited 2% cash rewards are reliable, the bonus is easy to earn, and the lack of an annual fee makes this card a long-term winner.

There's no telling how long its welcome offer will last, however. If you want a straightforward way to earn cash back on everything you buy, apply for the Wells Fargo Active Cash® Card today (see rates and fees).

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.