Wells Fargo Active Cash

The Active Cash earns a flat 2% cash back on everything with no annual fee and no categories to track, which makes it an easy default card for nearly any wallet. It also adds 12 months of 0% intro APR on both purchases and balance transfers, so it works for financing a purchase or moving a balance while you earn. The weaker spot right now is the welcome offer: Wells Fargo recently cut the signup bonus from $200 to $100 for spending $500 in the first 3 months, which makes it much less of a reason to apply now. It also charges a foreign transaction fee, so leave it at home when you travel abroad. Cell phone protection of up to $600 per claim when you pay your phone bill with the card is a useful extra.