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.