Comparison of Wells Fargo Active Cash and Citi Double Cash Credit Cards

Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners.

If you’re looking for an easy-to-use rewards credit card, you can’t beat a card that offers 2% unlimited cash back on all purchases. While the Citi® Double Cash card has been the top choice in this category for years, Wells Fargo launched Wells Fargo Active Cash last week.SM Card, offering consumers another attractive option. Both cards simplify cash back, offering cardholders a flat-rate cash reward of 2% on all purchases.

While there are many similarities between the two cards, we have looked at all the bells and whistles you get with the Double Cash card and the Active Cash card, comparing them based on their rewards programs, welcome bonus, annual fees, APR and overseas transaction fees. .

Welcome bonus

When it comes to the welcome bonus, the Wells Fargo Active Cash card has a big head start. New cardholders can earn $ 200 in cash rewards when they spend $ 1,000 in the first three months of card membership.

At this time, the Citi Double Cash Card does not offer a welcome bonus to new cardholders.

Winner: The Wells Fargo Active Cash Card, as new cardholders have the opportunity to earn a welcome bonus of $ 200.


Both cards have the same rewards program: they both offer unlimited 2% cash rewards on all purchases. The only notable difference is that the Citi Double Cash Card offers cardholders 1% cash back when they buy and 1% when they pay their credit card bill. The Wells Fargo Active Cash card does not require cardholders to pay their bill before they get the full 2%.

The Citi Double Cash Card rewards program encourages cardholders to pay their monthly bill on time and in full in order to receive all of their cash rewards.

The Wells Fargo Active Cash card offers a welcome bonus of $ 200, so new cardholders can earn more cash rewards than they would earn using the Citi Double Cash card in the first year membership to the card.

Select the calculated number of rewards the average American can earn in a year using their Wells Fargo Active Cash card and Citi Double Cash card. We worked with location intelligence firm Esri, who provided us with a sample annual expense budget of $ 22,126. (See our methodology to see how we choose the best credit cards.)

The budget includes six main categories: groceries ($ 5,174), gasoline ($ 2,218), restaurants ($ 3,675), travel ($ 2,244), utilities ($ 4,862) and general purchases ($ 3,953) .

We have found that in the first year of card membership, Wells Fargo Active Cash card users earned $ 643 in cash rewards, including the welcome bonus. Citi Double Cash cardholders can earn $ 443. (Of course, you can earn more or less depending on your spending.)

Winner: The Wells Fargo Active Cash Card, as you can earn $ 200 in additional cash rewards in the first year if you earn the welcome bonus.


Since both cards are cash back cards with no annual fee, they do not offer many of the perks or additional perks of premium travel cards. The Active Cash card offers cell phone protection if you use the card to pay your cell phone bill. If your phone is damaged or stolen, Wells Fargo will reimburse your cell phone replacement or repair up to $ 600 (with a $ 25 deductible).

In addition, Active Cash cardholders will have access to the Visa Concierge Service, a 24/7 personal assistance hotline that helps people with travel and entertainment requests, such as booking tickets. hotels or concert tickets.

Another perk that Active Cash users can take advantage of is the Visa Signature Luxury Hotel Collection, a portfolio of selected hotels, resorts and properties. When cardholders book a hotel or resort stay through the collection, they receive perks such as food and drink credit and free breakfast.

Citi Double Cash cardholders have access to Citi Entertainment, which allows them to purchase tickets, including pre-sale tickets, for concerts, sporting events, theater performances, and dining experiences.

Winner: The Wells Fargo Active Cash card, as it offers protection for mobile phones in addition to access to the Visa concierge service and the Visa Signature Luxury Hotel collection.


The Active Cash Card and Double Cash Card are quite similar cards when it comes to annual fees, overseas transaction fees, and APRs.

Neither card has an annual fee. And you’ll want to consider another card if you’re an international traveler, as both have a 3% overseas transaction fee on all purchases made overseas.

Both cards are good if you are looking to do a balance transfer. The Citi Double Cash card has an 18-month 0% introductory APR on balance transfers (after a variable APR of 13.99% to 23.99%), and the Active Cash card has an introductory APR period 0% shorter than 15 months on purchases and qualifications. balance transfers (then, an APR varying from 14.99% to 24.99%).

For balance transfers, the Active Cash card has an introductory balance transfer fee of 3% ($ 5 minimum). To qualify for the 0% intro APR intro, balance transfers must be made within 120 days of account opening.

For the Citi Double Cash card, the balance transfer fee is 3% or a minimum of $ 5. Balance transfers must be made within four months of opening the account in order to qualify for the 0% introductory APR.

Winner: Tie. While both cards offer 0% APR on balance transfers, the Citi Double Cash Card has a longer introductory period of 18 months. The Wells Fargo Active Cash card also has the benefit of offering a 0% APR introductory period for purchases.

At the end of the line

Since the two cards are quite similar, without any annual feel, and with a flat-rate cash rewards program, consumers would be well served with either card. The Active Cash card narrowly surpasses the Double Cash card due to its $ 200 welcome bonus, the added benefit of cell phone protection and the benefits of Visa Signature membership.

But if you’re looking for a flat-rate cash back card that offers balance transfers, you’re better off going with the Citi Double Cash Card, which has a slightly longer introductory period at 0% APR.

Wells Fargo Active Cash Cardâ„ 

  • Awards

    2% unlimited cash rewards on purchases

  • Welcome bonus

    $ 200 cash rewards bonus after spending $ 1000 on purchases in the first 3 months of account opening

  • Annual subscription

  • Intro APR

    0% APR on qualifying purchases and balance transfers during the first 15 months from account opening

  • Regular APR

    14.99% to 24.99% variable on purchases and balance transfers

  • Balance transfer fees

    3% launch fee ($ 5 minimum) for 120 days from account opening, then up to 5% ($ 5 minimum)

  • Foreign transaction fees

  • Credit needed

Citi® Double Cash Card

  • Awards

    2% Cash Back: 1% on all qualifying purchases and an additional 1% after paying your credit card bill

  • Welcome bonus

  • Annual subscription

  • Intro APR

    0% for the first 18 months on balance transfers; N / A for purchases

  • Regular APR

    13.99% – 23.99% Variable on purchases and balance transfers

  • Balance transfer fees

    Either $ 5 or 3% of the amount of each transfer, whichever is greater

  • Foreign transaction fees

  • Credit needed

Our methodology

To determine which credit cards offer the best value for money, Select analyzed popular credit cards available in the United States. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fees, and overseas transaction fees, as well as such factors as as credit required and customer reviews when available. We also took into account the additional benefits, the application process and the ease with which the consumer can redeem points.

Select has partnered with location intelligence firm Esri. The company’s data development team has provided the most recent and comprehensive data on consumer spending based on the 2019 Bureau of Labor Statistics Consumer Spending Surveys. You can read more about their methodology here.

Esri’s data team created a sample annual budget of roughly $ 22,126 in retail spending. The budget includes six main categories: groceries ($ 5,174), gasoline ($ 2,218), restaurants ($ 3,675), travel ($ 2,244), utilities ($ 4,862) and general purchases ($ 3,953) . General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, as well as other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over one year, two years, and five years, assuming they would try to maximize their rewards potential by earning all of the welcome bonuses offered and using the card for all of them. applicable purchases. All total reward estimates are net of annual fees.

While the five-year estimates we’ve included are derived from a budget similar to the average American’s spending, you can earn higher or lower returns depending on your buying habits.

Editorial note: Any opinions, analysis, criticism or recommendations expressed in this article are the sole responsibility of the editorial staff of Select and have not been reviewed, endorsed or otherwise approved by any third party.

Previous Nigerian government seeks to consolidate #TwitterBan lawsuits before ECOWAS Court
Next Is GTA Online closing? Latest developments