Is the Wells Fargo Active Cash better than 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.

Can you switch from the Wells Fargo Active Cash to the Citi® Double Cash Card?

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

What’s harder to get, the Wells Fargo Active Cash or the Citi® Double Cash Card?

Both cards require good to excellent credit scores to be approved

How much do you have to spend for the Wells Fargo Active Cash vs Citi® Double Cash Card to get the welcome bonus?

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.

Wells Fargo Active Cash® Card vs. Citi® Double Cash Card: Which Is Best for You?

People looking to earn unlimited cashback on their purchases may consider either the Wells Fargo Active Cash or Citi® Double Cash Card as both offer cash back for their reward structures. MoneyGeek has evaluated and compared both these cards to help the readers choose between both of these wisely.

Advertising & Editorial DisclosureLast Updated: 12/5/2022

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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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 at a Glance
Citi® Double Cash Card at a Glance
Comparison Summary
Which Card Should You Get?

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
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent
Good–Excellent

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
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 2% Cash BackRewards Rate
- 2xRewards Rate on Gas
- 2xRewards Rate on Groceries
Pros
2% cash back rewards on all spending
Unlimited cash back rewards that don't expire
No annual fee
0% introductory APR on purchases and balance transfers for 15 months
$200 welcome bonus after spending $1,000 on purchases within three months from account opening
Access to Visa Concierge and Visa Signature Luxury Hotel Collection

Cons
3% foreign transaction fee
Balance transfer fees
Limitations on welcome bonus eligibility
No annual fee
2% cash back on all purchases
Redeem cash back as a statement credit, a direct deposit to a Wells Fargo account or a mailed check
Spend $1,000 within three months from account opening to earn a $200 welcome bonus
Enjoy 0% APR on purchases and balance transfers for first 15 months
3% foreign transaction fee
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

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
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 2% Cash Back*Rewards Rate
- 2xRewards Rate on Gas
- 2xRewards Rate on Groceries
Pros
Pay no annual fees
Pay 0% APR on balance transfers for the first 18 months
Earn up to 2% cash back on purchases across all categories
No caps on earning cash back
Options to redeem cash back rewards include a statement credit, direct deposit, check or conversion to points
Purchase tickets to scores of events, including presale tickets, through Citi Entertainment
Increased account safety through 24-hour fraud protection and $0 liability on unauthorized charges
Complimentary Lost Wallet service and identity theft solutions

Cons
Cash back rewards expire if you do not earn any cash back from purchases or payments for those purchases in a 12-month period
Foreign transaction fees
Cash advance fees
Balance transfer fees
Penalty APR applies in case of late and returned payments
$0 annual fees
Up to 2% unlimited cash back on purchases
Redeem cash back rewards as a statement credit, a check or a direct deposit
Converting cash back rewards to ThankYou points is an option
Introductory 0% APR offer on balance transfers for the first 18 months, then variable APR will be 18.49% – 28.49% after that.
Get access to presale tickets via Citi Entertainment
24-hour fraud protection, $0 liability on unauthorized charges and identity theft solutions provide added peace of mind
Get emergency cash through the lost wallet service
Foreign transaction fees apply on international transactions
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other cards with no annual fees from our partners.

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.

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

Consumers looking for cash back rewards without the hassle of tracking spending categories.
Small business owners could benefit from the card on their daily purchases for their business as well.
≫ More: Read Our Full Review

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.

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.

View All Credit Cards

Learn more about credit cards in general

sources

Well Fargo. "Active Cash Card Details." Accessed March 9, 2022.
Citi. "Citi® Double Cash Card." Accessed March 9, 2022.

*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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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