Wells Fargo Active Cash Card

If you want one card that pays well on everything with no fee, this is the flat-rate benchmark: 2% on all purchases, full reward up front, no waiting until you pay like the Citi Double Cash. On $20,000 of spend that's a clean $400. It also bundles cell-phone protection when you pay your phone bill with it. The downside is no elevated category rates, so a heavy grocery or dining spender earns more with a category card. Verify the intro-APR length on wellsfargo.com.

Wells Fargo Active Cash Card at a glance

Rewards & perks

• Flat 2% on everything
• Protection for your cell phone
• Stretch of 0% intro APR

Pros

• No annual fee
• Flat 2%
• Cell phone insurance included

Cons

• Charges a foreign purchase fee

Who should apply

• A good credit score

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Wells Fargo site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.