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Cards/Apex Cash Plus

Apex Bank

Apex Cash Plus

Apex Cash Plus by Apex Bank with no annual fee

Best for general spending

Annual Fee

Free

Credit Profile

Good to excellent credit

Reward Style

Cash back

Foreign Spend

3% fee

Quick Verdict

A flat-rate cashback card with no annual fee and a solid sign-up bonus. Great for people who want simplicity without category tracking.

Estimated First-Year Net Value

+$250

Estimate = welcome offer + listed perks value - annual fee. Actual results vary.

•Good to excellent credit or better

•You prefer no-annual-fee cards

•You want a solid all-around card

Compare against another card Back to card directory

First-Year Value Snapshot

Welcome Offer Est.

$200

Perks Value Est.

$50/yr

Annual Fee

Free

Welcome Offer

$200 statement credit

Spend $1,000 in the first 3 months

Estimate only. Real value depends on eligibility and redemption choices.

How You Earn (Cash Back)

All

2.5%

Perks & Credits

Purchase Protection

Covers eligible purchases against damage and theft for up to 90 days.

~$50/yr

What We Like / Watch Outs

Pros

+High flat rate at 2.5% on all purchases
+No annual fee

Apex Cash Plus | The Stack

+$200 sign-up bonus with low spend requirement

Cons

-3% foreign transaction fee
-No bonus categories for higher earning

Rates & Terms

Credit needed: Good to excellent credit
Intro APR: No intro APR listed
Regular APR: Varies by issuer terms
Foreign transaction fee: 3%
Network: visa

Rates and offers can change. Confirm final terms on the issuer site before applying.

Is It a Fit?

Good fit if:

•Good to excellent credit or better
•You prefer no-annual-fee cards
•You want a solid all-around card

Think twice if:

•You spend heavily outside the U.S.
•You prefer travel transfer partner redemptions

Next Step

Compare this card against alternatives before deciding.

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