If your everyday credit card isn't giving you at least 2% rewards on everything you buy, it might be time to upgrade.

The Wells Fargo Active Cash® Card (rates and fees) didn't just impress us -- it earned a perfect 5-star rating from our credit card experts and was named the Best Cash Back Card of 2025 by Motley Fool Money.

I write about cards for a living. And here's why I love and recommend this sneaky little cash rewards legend.

Start with an easy $200 cash rewards welcome bonus

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

These days, that's about what I spend on blueberries alone for my 1-year-old breakfast monster. (Seriously, why do berries cost so much!?)

In all seriousness, this is one of the easiest welcome offers to qualify for. If you're already spending on groceries, gas, diapers, or the usual life stuff, you'll likely hit it without even trying.

Earn unlimited 2% cash rewards on all purchases

If you're a rewards nerd like me, maybe you like juggling half a dozen credit cards and tracking all the rotating categories.

But for everyone else, having a flat-rate card is much easier. This one gives you a simple 2% cash rewards on all purchases, no exceptions.

It doesn't matter whether you're a big spender or small. Every dollar earns the same flat rate.

If you spend $1,000 per month, that's an easy $240 back in a year. Spend $3,000 a month, and you're looking at $720 cash rewards.

I genuinely think people underestimate the power of simple cash back cards.

What makes this card even better

The rewards are what hook most people. But here are a few extra perks that make this card one you'll want to keep long term.

• $0 annual fee. This card doesn't cost a dime to carry. So all of your rewards are pure upside.
• 0% intro APR for 12 months from account opening on qualifying balance transfers and new purchases.
• Built-in cellphone protection. If you use this card to pay your monthly cellphone bill, you'll get up to $600 in protection against damage or theft (minus a $25 deductible).

The 0% intro APR is a great perk if you've got a big purchase coming up or need a little extra breathing room to pay down existing debt.

But if you need even more time, you should check out these top 0% intro APR cards, some offering no-interest periods up to 21 months.

Is the Wells Fargo Active Cash Card right for you?

If you like getting rewarded for everyday spending -- then yes.

If you like getting a $200 bonus for doing what you're already doing -- also yes.

If your name starts with any letter between A and Z… well, you get the idea.

Jokes aside, most people can easily make sense of a flat-rate 2% cash rewards card. It doesn't have to be the star of your wallet -- it's also great for filling the gaps and complementing other cards you use for specific categories.

Either way, there's no annual fee so you don't ever have to worry about "getting your money's worth."

Learn more about the Wells Fargo Active Cash® Card in our full review and apply today.