Wells Fargo Active Cash is known for having one of the best long term 0% APR benefits as well as flat rate cash back. Cardholders will receive unlimited 2% cash rewards on all purchases with no annual fee.
If you spend $1,000 on your card within the first three months, you’ll also receive a $200 cash bonus. The intro APR period lasts for the first 15 months from account opening and then you will have a variable APR of 18.74%, 23.74%, or 28.74%.
Cash rewards remain active as long as your account is open, so you don’t have to worry about credits expiring. The Wells Fargo Active Cash Card is great for everyday purchases, especially if you want extra benefits on your cell phone bill and hotel stays.
When you use Visa Signature Concierge, you can unlock benefits at a variety of hotels across the nation. Additionally, cardholders can receive up to $600 of cell phone protection when you pay your monthly cell phone bill using the credit card.
Keep in mind that there is a foreign transaction fee with this card, and your credit card limit will be determined by your credit report.
When you apply, the credit card issuer will perform a review of your credit history through the credit bureaus. On average, most cardholders have a good or excellent credit score.