This Credit Card Bonus Is the Easiest $200 You'll Ever Earn

Published on Nov. 27, 2025

Ryan Wilcox

By: Ryan Wilcox

Full-Time Personal Finance Writer

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I like making easy money. I'm assuming you do, too.

If so, there's a credit card I recommend everyone apply for today: the Wells Fargo Active Cash® Card (rates and fees).

The Wells Fargo Active Cash® Card has a solid welcome bonus that's incredibly easy to earn. Most people can get it in a few weeks just by spending on everyday purchases. You'll also get simple 2% cash rewards on every purchase, with no bonus categories or hoops to jump through -- all for no annual fee.

Here's what to know about one of my favorite credit cards out there.

Earn a welcome bonus practically in your sleep

Right now, the Wells Fargo Active Cash® Card is offering a $200 cash rewards bonus after you spend $500 in purchases in the first 3 months.

That's one of the lowest spending requirements I've ever seen, and you've got a full three months to hit it. Most people can do that without ever leaving their bed. Once you do, you'll have a sweet $200 in bonus cash to get your new card journey off on the right foot.

Your rewards can be redeemed as statement credits, direct deposits, gift cards, or travel. Rewards never expire, either, so you've got plenty of time to decide how you want to use them.

Award Icon 2026 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.
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= Excellent
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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 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 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 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.

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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. 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.

Other perks that actually add value

The Wells Fargo Active Cash® Card comes with more than just 2% cash rewards. You'll also get:

  • Intro APR offer: 0% intro APR 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)

Plus: Want more ways to get value out of your card? 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 handful of hotel and airline partners to get even more value from your rewards.

Offer Our Rating Welcome Offer Rewards Program APR Our Rating
Apply Now for Wells Fargo Autograph® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

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
Best for unlimited rewards
 20,000 bonus points Circle with letter I in it. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. 1X-3X points Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

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

Purchases: 0% intro APR for 12 months from account opening on purchases

Balance Transfers: N/A

Regular: 18.74%, 24.74%, or 28.74% Variable APR

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
Best for unlimited rewards


The Wells Fargo Active Cash® Card's brilliance is in its simplicity. It's one of the easiest credit cards to recommend, and it's got one of the easiest-to-earn welcome offers I've ever seen, too.

For my money, it's the simplest way to earn solid rewards on everything you buy. I'd recommend it to anyone.

Want to rack up 2% cash rewards on every purchase? Read our full review of the Wells Fargo Active Cash® Card and apply today.

Our Research Expert

Ryan Wilcox
Ryan Wilcox icon-button-linkedin-2x

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.