Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
$0 annual fee cards that still offer cell phone protection.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Wells Fargo
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Wells Fargo Autograph Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.3¢/$ | $0 | — | visa |
| Wells Fargo Reflect CardWells Fargo | 0x points | 0.0¢/$ | $0 | — | visa |
| Bilt Blue CardCardless | 1x Bilt Rewards | 2.2¢/$ | $0 | — | mastercard |
| TD Double Up Credit CardTd Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
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Open in full search with filters →Wells Fargo
Cardless
| SoFi Credit CardSofi |
| 2% cash back |
| 2.0¢/$ |
| $0 |
| — |
| mastercard |
| BJ's One+™ Mastercard®Capital One | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Choice Privileges MastercardWells Fargo | 1x Choice Privileges | 0.8¢/$ | $0 | — | mastercard |
| Capital One Quicksilver Cash Rewards Credit CardCapital One | 1.5% cash back | 1.5¢/$ | $0 | — | mastercard |
| DoorDash Rewards Mastercard®Chase | 1% cash back | 1.0¢/$ | $0 | $295.20 | mastercard |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
