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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
Best For
Rewards Rate - Cashback
- 2% Cash rewards on purchases
- Intro offer
- $200 cash rewards after $500 spend in 3 months
- Annual fee
- $0
- Regular APR
- 19.24% – 29.24% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- Cell Phone Protection, Rental Car Insurance
Highlights
- Unlimited flat‑rate cash rewards on purchases with no categories to track.
- Intro 0% APR period on purchases and qualifying balance transfers (variable APR thereafter).
- Cell phone protection when you pay your monthly bill with the card (deductible and limits apply).
- $0 annual fee; Visa Signature benefits on eligible accounts.
Who is this card good for?
- People who want a simple, high flat‑rate cash‑back card.
- Users who value built‑in cell phone protection.
- Anyone pairing a 2%‑style earner with category cards for a strong baseline.
Pointalize Opinion
Pros
- Competitive flat‑rate rewards on everything.
- Useful cell phone protection benefit.
- $0 annual fee.
Cons
- No elevated category bonuses beyond the flat rate.
- Intro APR window shorter than dedicated 0% cards.
Pointalize Final Thoughts
Active Cash is a dependable workhorse: simple flat‑rate earnings, a $0 fee and protections many rivals lack. Great as a one‑card solution or the backbone of a cash‑back setup.