Experts: this is the best cash back card of 2022

When Wells Fargo Active Cash® Card hit the market, it instantly topped our independent experts' list of best all-around, no-annual-fee credit cards. (See rates and fees.)

It’s easy to see why with these perks:

• Unlimited 2% cash rewards — the highest flat cash back rate we’ve come across with no hoops to jump though.
• $200 cash rewards welcome offer that you earn by spending just $500 in purchases in the first three months.
• 0% intro APR for 15 months from account opening on purchases (and also on qualifying balance transfers made within 120 days of account opening). After the intro period, a go-to rate of 20.24%, 25.24%, or 29.99% Variable APR applies.
• $0 annual fee.
• APPLY NOW to lock in these benefits today if approved.

Unlimited 2% cash rewards -- Cardholders earn an unlimited 2% cash rewards on purchases, with no categories to activate or earnings limits to track.

There are other cards that offer higher cash back rates on certain categories, and while they can be worth it, they do require more effort. And they often are also subject to a cap and limited in what purchases they apply to. The Wells Fargo Active Cash® Card is perfect for someone that wants an easy-to-use card that still offers high rewards: you’ll earn a best-in-class flat rewards right away on your purchases -- with no limits or hoops to jump through.

$200 cash rewards welcome offer -- New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards welcome offer for spending just $500 in purchases in the first three months. Not only is this a very competitive sign-up bonus for a card with no annual fee, but it's also one of the things that sets this Wells Fargo credit card apart from other 2% back cards. We’ve yet to come across another credit card with 2% unlimited cash rewards that also has a sign-up bonus.

15 months from account opening 0% APR intro offer -- New cardholders can enjoy 0% intro APR on both new purchases and eligible balance transfers for a full 15 months from account opening. (After that period, a go-to rate of 20.24%, 25.24%, or 29.99% Variable APR applies.) That's a great offer, even when compared to cards marketed just for a 0% intro APR. It means that this card will allow you to avoid interest on purchases and balance transfers into 2025!

Keep in mind that balance transfers need to be made within the first 120 days to qualify for a reduced interest rate and a lower balance transfer fee.

No annual fee -- In many cases, high rewards rates mean high annual fees. Not with the Wells Fargo Active Cash® Card, which sports a $0 annual fee.

Cell phone protection -- With the price of a typical cell phone in the hundreds of dollars, having some sort of insurance is a good idea. With this Wells Fargo card, you can get built-in cell phone protection of up to $600 just by paying your cell phone bill with your card. Coverage is subject to a $25 deductible.

We believe this is one of the best cash back cards for most people. Not only will you get a lucrative unlimited flat cash rewards rate, but it also sports a hefty, easy-to-earn sign-up bonus and a highly competitive 0% intro APR offer for 15 months from account opening.

Depending on what card is in your wallet today, there’s a high chance the Wells Fargo Active Cash® Card is a more lucrative upgrade -- and it could especially be an upgrade over debit cards, which have far worse fraud protections than credit cards and usually no rewards.

To apply for potential approval today and make sure you don’t miss out on your bonus, simply click here: Wells Fargo Active Cash® Card