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WiseIQ Editorial Team
Reviewed by certified financial experts · Updated April 2026
The Wells Fargo Active Cash® Card earns unlimited 2% cash rewards on all purchases with no annual fee — matching the Citi Double Cash on rate but adding a $200 cash rewards bonus after spending $500 in the first 3 months and a 0% intro APR for 12 months on purchases and qualifying balance transfers.
WiseIQ Expert Tip
Financial decisions made with complete information consistently outperform those made under pressure or with incomplete data. Take time to compare at least 3 options before committing.
For most people choosing between 2% flat-rate cards, Active Cash is the better starting point: the $200 bonus is easy to earn, and the 0% intro APR gives you a year to pay down a large purchase interest-free.
Wells Fargo Active Cash® Card