At a glance
Annual Fee
$0
Rewards Rate
2% on every purchase, no categories
Welcome Bonus
$200 after $1,500 in 3 months
Intro APR
0% for 15 months on purchases & balance transfers
Regular APR
18.99% – 28.99% Variable
Recommended Credit
Good
Pros & cons
Pros
- Flat 2% cash back on everything
- No annual fee, ever
- 15 months 0% intro APR
- Cash back never expires
Cons
- No bonus categories
- 3% foreign transaction fee
Who it's best for
Anyone who wants simple, predictable rewards without tracking categories.
How we rated this card
The BW Cashback Elite earned a 4.8 / 5.0 from BW editors. We weight rewards value (40%), fees (20%), APR & terms (20%), and cardholder benefits (20%). Our reviews are independent — issuers don't pay for ratings or placements.