Wells Fargo Active Cash

The Wells Fargo Active Cash is a strong flat-rate competitor offering 2% cash rewards on every purchase with no annual fee, plus a generous $200 sign-up bonus and a 0% intro APR for 15 months. Compared to Discover it Cash Back, it provides simpler rewards without rotating categories, making it ideal for those who prefer predictability. Data shows cardholders earn an effortless $300 annual return on $15,000 in spending.