Wells Fargo Active Cash® Card

vs.

Citi Double Cash® Card

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ByDoug Milnes, CFA
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Reviewed byBrett Holzhauer
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Updated: March 19, 2024

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These two credit cards are known for their cashback earnings and are among the top credit cards for rewards and cashback.

Here you will find the Wells Fargo Active Cash vs Citi® Double Cash Card comparison where we will evaluate the features, fees, rewards and other benefits of both the cards and compare both of them to help you decide which one is better.

OUR COMPARISON AT A GLANCE

Comparison Overview: Wells Fargo Active Cash® Card vs. Citi Double Cash® Card

  • Wells Fargo Active Cash® Card
    Citi Double Cash® Card
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
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  • Travel Rewards
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Wells Fargo Active Cash® Card At a Glance

With the Wells Fargo Active Cash, you can earn $200 as a statement credit after you spend $1,000 in the first three months of card membership.

As you spend on the card, you will earn 2% cashback on all purchases. The best part about this card is that your cashback rewards don’t expire until you close the account. You can redeem the rewards by using them for different purchases or directly withdrawing cash from a Wells Fargo ATM in $20 increments. You can start redeeming the rewards on purchases even worth $1.

The card has no annual fee and comes with purchase protection and cell phone insurance.


  • Wells Fargo Active Cash® Card

    A great no-annual-fee cash back card with a 0% APR offer

    • 2% Cash BackRewards Rate
    • 20.24%, 25.24% or 29.99% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit
    Wells Fargo Active Cash® Card

Citi Double Cash® Card At a Glance

With the Citi® Double Cash Card, you will earn 1% cashback at the time of purchase and another 1% when you make the payment on time on all purchases. To redeem the cashback rewards, you can use direct deposit, conversion to points, or a statement credit. However, if you do not earn any cashback within 12 months, then your rewards on the card will expire. There are also foreign transaction fees on this card, making it not a great card for someone who travels outside the U.S.

With this card, you will get account safety via 24-hour fraud protection service and also $0 liability on unauthorized charges. In addition, if your card is lost, there is a complementary lost wallet service and identity theft protection.


  • Citi Double Cash® Card

    A great no-annual-fee card that offers up to 2% cash back

    • 0% Intro APR (then variable APR)Balance Transfer Offer
    • 18 MonthsBalance Transfer Duration
    • 19.24%–29.24% VariableAPR
    • $5 or 3%, whichever is greater; $5 or 5% after first 4 monthsBalance Transfer Fee
    • Good–ExcellentRecommended Credit
    Citi Double Cash® Card

Comparison Summary

We have evaluated the differences between the Wells Fargo Active Cash and Citi® Double Cash Card to help you choose the credit card that will suit your needs the best.

Card Detail
Comparison Summary

Welcome Bonus

The Wells Fargo Active Cash offers a $200 welcome bonus after you spend $1,000 in the first three months of card membership. The Citi Double Cash Cash doesn’t have a welcome bonus.

Winner: Wells Fargo Active Cash

Rewards

Both the Wells Fargo Active Cash and Citi® Double Cash Card earn 2% cashback.

However, Wells Fargo Active Cash provides the entire 2% cashback on the purchase while Citi® Double Cash Card provides 1% cashback on purchase and the remaining 1% on timely payment of credit card bills.

Winner: Wells Fargo Active Cash

APR

The Wells Fargo Active Cash offers 0% intro APR for the first 15 months on purchases and balance transfers. After that, it charges 14.99%, 19.99%, 24.99% depending on the credit worthiness of the card holder.

The Citi® Double Cash Card offers 0% APR on balance transfers for the first 18 months. After that, it charges a variable APR ranging between 13.99% and 23.99% depending on the creditworthiness of the card holder.

Winner: Wells Fargo Active Cash

Expiring Rewards

Cashback earned on the Wells Fargo Active Cash credit card doesn't expire until the account is closed.

The Citi® Double Cash Card rewards expire if there is no cashback earned on the card within 12 months.

Winner: Wells Fargo Active Cash

Which Card Should You Get?

If you’re debating between the Wells Fargo Active Cash and Citi® Double Cash Card, the best solution is to evaluate your financial situation closely to see where you could benefit the most.

Who Should Consider the Wells Fargo Active Cash® Card?

Individuals, small business owners and travelers should consider the Wells Fargo Active Cash card as the card offers unlimited 2% cash back on all purchases.

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    Travelers would benefit heavily from the card as it offers benefits when you stay at premium hotels.

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    Individuals and small business owners can benefit from the card as they can earn unlimited rewards on their daily purchases.

Who Should Consider the Citi Double Cash® Card?

The Citi® Double Cash Card is suitable for consumers who want to earn simple cash back on their daily purchases.

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    Consumers looking for cash back rewards without the hassle of tracking spending categories.

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    Small business owners could benefit from the card on their daily purchases for their business as well.

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EXPERT OPINION

These cards are nearly identical, so picking one over the other is merely a personal preference. However, if you need some flexible repayment options for future purchases, the 0% intro APR on purchases and balance transfers offer from the Wells Fargo Active Cash® Card can be beneficial. In addition, the card comes with cell phone protection in case your cell phone is damaged or stolen. If those benefits aren’t beneficial to you, either card will help you earn the same 2% cash back.

Other Helpful Decision-Making FAQs

Choosing the best credit card can be difficult, however, MoneyGeek has answered some of the most frequently asked questions regarding the differences between the Wells Fargo Active Cash and the Citi® Double Cash Card.

Both cards are closely matched as they both offer 2% cash back on all purchases. However, the Wells Fargo Active Cash is a slightly better card for its 0% intro APR on purchases and balance transfers.

Yes you can.

Neither card earns points.

There is no way to switch from one card to another.

Both cards require good to excellent credit scores to be approved

Citi® Double Cash Card doesn’t offer any welcome bonus. As for the Wells Fargo Active Cash card, you need to spend $1000 within a span of three months to earn the $200 bonus.

Still Not Sure About These Cards? Consider These Options

The Wells Fargo Active Cash and Citi Double Cash cards are two of the best credit cards for earning cash back. However, there are other cards to consider to maximize your purchases.

Learn more about credit cards in general

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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