If you want a credit card that earns straightforward rewards without the bells and whistles, the Wells Fargo Active Cash® Card (rates and fees) is one of the best options available. You'll earn 2% cash rewards on all purchases, with no spending limits or rotating categories to manage -- part of the reason why it's been my favorite card in my wallet for months.

For anyone who prefers a flat-rate card over more complicated rewards structures, this card delivers great solid long-term value. Keep reading to learn why now is the time to apply.

Easy $200 cash rewards bonus

One of the better selling points on this card is the easy-to-earn $200 cash rewards welcome bonus. All you need to do is spend $500 in the first 3 months -- about $167 a month.

No matter what you're using your card for, that's a pretty low spending requirement. And once you reach that threshold, you'll automatically get $200 to use as you wish.

Want to earn an easy $200? Apply for the Wells Fargo Active Cash® Card today and start working toward your welcome bonus.

Get a 0% intro APR for 12 months from account opening

The Wells Fargo Active Cash® Card also comes with a 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening. That gives you over a year to pay off large purchases or existing debt without paying interest.

After the intro period, a standard variable APR applies.

There's also a balance transfer fee of 3% for 120 days from account opening, then up to 5%, min: $5, so you'll have to factor that in when considering a transfer. Still, the Wells Fargo Active Cash® Card is a great option if you're looking to enjoy a long intro APR period while earning rewards along the way.

$0 annual fee and helpful benefits

The Wells Fargo Active Cash® Card comes with a $0 annual fee, which means you can easily justify keeping it in your wallet year after year.

It also includes cellphone protection (up to $600 when you pay your bill with the card) and Visa Signature® benefits like travel and emergency assistance services.

Last but not least, the Wells Fargo interface is simple and intuitive, especially if you're already a Wells Fargo customer. You can manage your account and redeem rewards through either the mobile app or the online portal, making it easy to enjoy your hard-earned cash rewards.

Apply for the Wells Fargo Active Cash Card today

If you want simple, unlimited 2% cash rewards with a $0 annual fee, the Wells Fargo Active Cash® Card is the way to go.

That's not all the card has to offer, though. If you also want an easy $200 welcome bonus plus a long 0% intro APR period, I'd pull the trigger today -- there's no telling how long these promotional offers will last.

Apply for the Wells Fargo Active Cash® Card now to start earning 2% cash rewards on all purchases.