Ryan P Page, Staff Writer
@ryan_page
The best all-purpose credit card is the Wells Fargo Active Cash® Card because it has a $0 annual fee, a low introductory interest rate, and one great rewards rate for all purchases. You can earn 2% cash rewards on every purchase and an extra $200 cash rewards after spending $500 in the first 3 months.
In addition to the rewards, you can enjoy an introductory APR of 0% for 15 months from account opening on purchases and qualifying balance transfers if you get this card. Wells Fargo Active Cash has a regular APR of 20.24% - 29.99% Variable and a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5).
Best All-Purpose Credit Cards
- Wells Fargo Active Cash® Card
Initial Bonus: $200 cash rewards after spending $500 in the first 3 months
Ongoing Rewards: 2% cash rewards
Purchase Intro APR: 0% for 15 months from account opening
Regular APR: 20.24% - 29.99% Variable
Annual Fee: $0
Minimum Credit Required: Good
- Chase Freedom Unlimited®
Initial Bonus: N/A
Ongoing Rewards: 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year)
Purchase Intro APR: 0% for 15 months
Regular APR: 20.49% - 29.24% (V)
Annual Fee: $0
Minimum Credit Required: Good
- Blue Cash Preferred® Card from American Express
Initial Bonus: $250 statement credit for spending $3,000 in the first 6 months
Ongoing Rewards: 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, received as rewards dollars (which can be redeemed as a statement credit or at Amazon.com checkout)
Purchase Intro APR: 0% for 12 months
Regular APR: 19.24% - 29.99% (V)
Annual Fee: $0 intro 1st yr, $95 after
Minimum Credit Required: Good
- PNC Cash Unlimited℠ Visa Signature® Credit Card
Initial Bonus: N/A
Ongoing Rewards: 2 points per $1 spent on all purchases
Purchase Intro APR: 0% for 12 months
Regular APR: 19.24% - 30.24% (V)
Annual Fee: $0
Minimum Credit Required: Excellent
- Rates & FeesCapital One SavorOne Cash Rewards Credit Card
Initial Bonus: $200 for spending $500 in the first 3 months
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024)
Purchase Intro APR: 0% for 15 months
Regular APR: 19.99% - 29.99% (V)
Annual Fee: $0
Minimum Credit Required: Good
- Citi Rewards+® Card
Initial Bonus: 20,000 points for spending $1,500 in the first 3 months
Ongoing Rewards: 5 points per $1 spent on hotel, car rentals, and attractions booked on CitiTravel.com through December 31, 2025, 2 points per $1 spent at supermarkets and gas stations up to $6,000 spent per year, and 1 point per $1 on all other purchases
Purchase Intro APR: 0% for 15 months
Regular APR: 18.74% - 28.74% (V)
Annual Fee: $0
Minimum Credit Required: Good
Selecting an all-purpose credit card can be challenging because every credit card has strengths and weaknesses compared to the competition. As a result, using the Island Approach instead of targeting one all-purpose card could help you maximize your rewards and other benefits. In other words, using a collection of cards that each excel in one area could enable you to get the best collection of terms overall.
Popular Credit Cards
-
Low Intro APR & Bonus Rewards:
Chase Freedom Unlimited®
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Everyday Cash Back:
Wells Fargo Active Cash® Card
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Good Credit:
Blue Cash Preferred® Card from American Express
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0% Intro APR:
Wells Fargo Reflect® Card
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read full answerWhat is the best credit card overall?
The best credit card overall is the Wells Fargo Active Cash® Card because it has a $0 annual fee, an introductory APR of 0% for 15 months from account opening on purchases and qualifying balance transfers, and excellent rewards. Overall, Wells Fargo Active Cash has a rating of 5/5 from WalletHub editors.
Why Wells Fargo Active Cash Is the Best Credit Card
- Initial Bonus: $200 cash rewards after spending $500 in the first 3 months
- Ongoing Rewards: 2% cash rewards
- Introductory APR: 0% for 15 months from account opening on purchases and qualifying balance transfers
- Annual Fee: $0
- Regular APR: 20.24% - 29.99% Variable
- ...
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