The Wells Fargo Active Cash Card offers a 2% flat rewards rate on all purchases, no annual fee, and a $200 cash rewards bonus after spending $500 in the first 3 months. Additional benefits include cellphone protection, concierge service, luxury hotel collection access, and emergency cash disbursement.

For those who want a straightforward rewards card, the Wells Fargo Active Cash is ideal for everyday spending, offering 2% cash back on groceries, gas, and more. By using this card for typical expenses, you can earn significant rewards, as shown by average household expenditures on food, gas, and entertainment.

Redeem your Wells Fargo Active Cash rewards as a statement credit, deposit to your checking account, for debt payments, ATM cash, gift cards, or travel. Points are typically worth 1 cent each, with varying values for gift cards or travel redemptions. The card is best for those new to credit card rewards or seeking a simple cash-back option.

The Wells Fargo Active Cash has a solid cash-back rate, no annual fee, and valuable benefits like cellphone protection. However, it does charge foreign transaction fees and has received poor customer service reviews. Approval requires a good credit score, and certain travel rewards must be booked through customer support.

Payments for the Wells Fargo Active Cash can be made online, through the mobile app, at an ATM, or by phone. Customer support is available 24/7 for assistance. Consider your spending habits to determine if another rewards card, like the Blue Cash Everyday Card from American Express or Quicksilver Cash Rewards Credit Card from Capital One, may be a better fit for you.

Read more at Yahoo Finance: Unlimited 2% cash back and 0% intro APR