Personal cardsActive Cash® Credit CardIs it worth it?
The Active Cash® Credit Card has no annual fee and produces an estimated $600/yr at $30,000 of annual spend with no revolving balance. For most people, this is straightforward upside.
Figures use Net Annual Value. The headline is ongoing (steady-state) value. The card's page shows Year 1 with the signup bonus.
The evidence
The Math at Your Spend Level
How NAV moves as annual spend rises, at the default profile (no revolving balance, 2-year holding period, no lounge value). Rank with your own spending to plug in real numbers, by total or by category.
The numbers behind the curve, broken down:
| Annual spend | NAV | Cashback | Credits + Bonus | Fee |
|---|---|---|---|---|
| $10,000 | $200 | $200 | $200 | $0 |
| $20,000 | $400 | $400 | $200 | $0 |
| $30,000default profile | $600 | $600 | $200 | $0 |
| $50,000 | $1,000 | $1,000 | $200 | $0 |
| $75,000 | $1,500 | $1,500 | $200 | $0 |
| $100,000 | $2,000 | $2,000 | $200 | $0 |
What shifts the answer
Where the Value Comes From
What the headline NAV is actually made of, at $30,000 spend.
What Changes the Answer
The headline NAV above assumes an average spending profile. Rank with your own spending to see how the math shifts for your situation.
- You qualify for the signup bonus+$200 one-time
Bonus of $200 requires hitting the spend requirement ($500 within 3 months). This bonus counts in full toward the card's Year 1 value (when your spend qualifies) and is excluded from its ongoing value.
What's the Catch
Where this card's value can evaporate in practice.
- 28.49% maximum APR
If you carry a balance, the interest cost dwarfs the rewards. A $5,000 revolving balance at 28.49% costs $1425/yr, more than any cashback rate on the card. When a balance is carried, the interest line dominates the math and the rewards rate has little effect on the result.
The call · Net positive
The Reasoning
The Active Cash® Credit Card produces an estimated $600 of net annual value at $30,000 of annual spend. That is the approximate dollar answer. Whether the card is "worth it" depends on how you weigh the trade-offs the math does not model.
The Active Cash® Credit Card has no annual fee, so there is no fixed cost to offset. Even at minimal use, the card does not cost anything to hold, and its net value stays at or above zero.
Keep exploring
See the Active Cash® Credit Card detail page for source-quoted facts and every reward rule, compare personal cards or all ranked results, or read how the numbers are computed in the methodology.