Not all cash back credit cards are created equal. Some offer remarkable perks beyond the headline rates. The SoFi Unlimited 2% Credit Card and the Wells Fargo Active Cash® Card stand out. SoFi’s card offers a 2% rate on all purchases, bumping up to 3% on SoFi Travel, and a 10% bonus for direct deposits to a SoFi Checking account. It also includes $1,000 in cellphone insurance and World Elite Mastercard® benefits. The Wells Fargo Active Cash® Card provides a consistent 2% cash rewards rate and an excellent welcome bonus. Its standout feature is its generous cellphone insurance, covering up to $600 per claim with a $25 deductible. These cards deliver more than just cash back—they offer peace of mind and added value.
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