You'll need to spend around $10,000 per year to break even on this card's fees; it's best suited for heavy users who can earn at least that much in rewards. If you're light on expenses or already maxed out on credit, pass on this one. The trade-off is earning 2% cashback everywhere with no annual fee, but you'll pay up to $3 per foreign transaction.
What you actually earn
Who this card is for
If you spend over $10,000 annually on everything from groceries to gas and have good-to-excellent credit (700+), this card is a solid choice for maximizing everyday earnings with no annual fee.
The compliance footnote
The Active Cash Card carries a $0 annual fee with an APR range of 19.24–29.24% Variable. Foreign-transaction fee is 3%. The current signup offer is $200 after $500 in 3 months. These terms are accurate as of 2026-05-06 and may change at the issuer's discretion. We earn a referral fee on approved applications referred via the Apply link, at no cost to you.