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Prior to joining Discover Carlos worked in card operations and risk management for American Express from 1987 to 2000 most recently as senior vice president. For context the average cash rewards card offers about 1 back on purchases.


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He was appointed to oversee consumer banking products in 2006 and led cardmember services from 2001-2006.

. Wells Fargo Reflect Card. Wells Fargo Active Cash Card The best credit card with no annual fee is the Wells Fargo Active Cash Card because it has a 0 fee and offers 2 cash rewards on all purchases plus an initial bonus of 200 cash rewards after spending 1000 in the first 3 months. The Wells Fargo Active Cash Card is a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee.

0 intro APR on Purchases for up to 21 months and 0 intro APR on Balance Transfers up to 21 months from account opening. Wells Fargo Active Cash also is worthwhile for people interested in 0 introductory APRs and getting up to 600 in cell phone protection.


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