Wells Fargo Active Cash

The Active Cash is one of the cleanest no-fee cash back cards available: a flat 2% on every purchase with no categories to track, no annual fee, and a $200 bonus after just $500 in purchases in three months, one of the lowest spending requirements around. It currently ranks fifth on our Best Cash Back Credit Cards list. You also get 12 months of 0% intro APR on both purchases and qualifying balance transfers, plus cell phone protection worth up to $600 per claim, with a $25 deductible, when you pay your bill with the card. The one clear drawback is the foreign transaction fee, which makes it a poor choice for travel abroad, and the flat structure means high spenders in specific categories can beat 2% elsewhere. For a single card that handles everything domestically without thought, it's hard to fault.