If you’re a new credit card user, you probably aren’t sure where to start. You’re probably looking for a card that can help you earn rewards on your monthly expenses, because why wouldn’t you? Finding the right one can be daunting though – there are so many promotional offers out there that it’s hard to tell which card is going to be actually valuable in the long run.

CNET Money contributor Dashia Milden recently shared that the Wells Fargo Active Cash card is her favorite option for building credit while earning 2% cash rewards on all purchases. Check out this round-up of the best Wells Fargo credit cards if you want to learn more – but this card is a great no-fuss option that can help you maximize your spending.

Why the Wells Fargo Active Cash card is great for beginners

The Wells Fargo Active Cash credit card offers a range of benefits that make it an excellent choice for beginner credit card users looking to earn rewards. First, it provides a simple and straightforward rewards structure. Cardholders earn unlimited 2% cash back on every purchase they make, with no category restrictions or spending caps to worry about. This makes it easy to accumulate rewards without having to keep track of rotating categories or complex redemption processes.

It also offers appealing introductory offers for new cardholders, usually a generous cash bonus when you spend a certain amount within the first few months of account opening, which can be a valuable boost to your rewards earnings as a beginner. In addition to its rewards program, the card includes several helpful features for beginners. These include access to Wells Fargo’s credit education resources and tools, which can assist you in building and managing their credit wisely. Features like cell phone protection and zero liability protection for unauthorized transactions provide added peace of mind.

Getting the most out of a rewards credit card

To maximize the benefits of a rewards credit card, understand the rewards program and its rules, such as earning rates, redemption options, and expiration dates. Use the card for everyday expenses to accumulate points or cash back quickly. Pay your balance in full each month to avoid interest charges. Consider pairing your rewards card with other cards that offer bonuses in specific categories to maximize rewards in those areas. Take advantage of sign-up bonuses by meeting the spending requirements within the specified timeframe. Finally, regularly review your card’s benefits and consider redeeming rewards for high-value options like travel or statement credits.

Bottom Line

As you build your credit, cards tailored to specific earning categories, such as travel credit cards, may become more interesting depending on your lifestyle. But the Wells Fargo Active Cash card is a solid option for those new to the world of rewards.

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