Wells Fargo Active Cash Card vs. Citi Double Cash Card: Greater First Year Value with Active Cash

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Our Pick
Good for Welcome Offer
Editor’s Score: (4.6/5)
Wells Fargo Active Cash® Card
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Wells Fargo Active Cash® Card
Editor’s Score: (4.6/5)
Rewards rate:

Earn unlimited 2% cash rewards on purchases.

Apply Now externa link icon At Wells Fargo’s secure site See Rates & Fees.
Good for Ongoing Rewards
Editor’s Score: (4.9/5)
Citi® Double Cash Card
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Citi® Double Cash Card
Editor’s Score: (4.9/5)
Rewards rate:

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Learn more externa link icon At our partner’s secure site
  • Intro offer:
    $200 cash rewards
  • Annual fee:
    $0
  • Regular APR:
    17.24%, 22.24%, or 27.24% Variable APR
  • Recommended credit score:
    670-850 (Good to Excellent)
  • Rewards rate:

    Earn unlimited 2% cash rewards on purchases.

  • Intro offer:
    $200 Cash Back
  • Annual fee:
    $0
  • Regular APR:
    16.24% – 26.24% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
  • Rewards rate:

    Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros and Cons
Pros and Cons
Pros
  • Unlimited 2% cash rewards on purchases
  • Valuable welcome bonus
  • 0% Introductory APR for 15 months from account opening on purchases and qualifying balance transfers (17.24%, 22.24%, or 27.24%) variable APR thereafter)
  • Cellphone and travel protections
Cons
  • High variable APR after introductory offer ends
  • No bonus categories to maximize
  • 3% foreign currency conversion fee
Pros and Cons
Pros
  • Great limited time welcome offer
  • Flat cash back on every purchase
  • 18-month 0% intro APR for balance transfers (16.24% to 26.24% variable APR thereafter)
  • No annual fee
Cons
  • 3% balance transfer fee ($5 minimum) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
  • Delayed cash back rewards if you carry a balance
Additional Card Details
Additional Card Details
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers (followed by a variable APR of 17.24%, 22.24%, or 27.24%).
  • Cell phone protection worth up to $600 when you pay your bill with your eligible Wells Fargo card (subject to a $25 deductible)
  • Visa Signature® Concierge service
  • Travel and emergency assistance services
  • Roadside dispatch
Additional Card Details
  • Extra incentive to pay down your balance in full: You’ll earn only 1% cash back when you make a purchase, and the other 1% when you pay it off
  • 18-month 0% intro period on balance transfers, 16.24% to 26.24% variable APR thereafter
  • Redeem cash back for statement credits, direct deposit, check, or convert cash back value to Citi ThankYou points
  • Balance transfers must be completed within 4 months of account opening and a 3% ($5 minimum) fee applies, After that, your fee will be 5% of each transfer (minimum $5)
NextAdvisor’s Take

The Wells Fargo Active Cash Card and the Citi Double Cash Card both have unlimited 2% cash rewards with no annual fee. Both the Wells Fargo Card and the Citi Double Cash Card come with welcome offers, and are great options for earning rewards on purchases, but you can get more first year value from the Active Cash.

One of the simplest tools you can have in your wallet for extra savings is a flat 2% cash back credit card. Whether you prefer earning cash back over other types of rewards, or you’re looking for a card that’ll help maximize spending excluded from the categories you already earn bonus rewards in, a flat cash back card can help you save on everything you buy.

Two of the most popular options on the market today are the Wells Fargo Active Cash® Card and the Citi® Double Cash Card. Both are among our top cash back credit cards and offer great cash rewards in addition to introductory APR offers.

Despite the similarities, there are a few important differences that set these cards apart and can help you choose the best 2% card for you. Here’s what you need to know:

Side-by-Side Comparison

Wells Fargo Active Cash CardCiti Double Cash Card
Annual Fee$0$0
Welcome Offer$200 cash rewards bonus when you spend $1,000 on purchases within 3 months of account opening$200 cash back after spending $1,500 on purchases in the first six months of account opening
Cash Back RewardsEarn unlimited 2% cash rewardsEarn 2% back on all purchases — 1% when you buy and another 1% when you pay your purchases off
Other Benefits• 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, followed by a variable APR of 17.24%, 22.24%, or 27.24%

• Cell phone protection

• Redeem rewards for statement credits, transfers to a Wells Fargo bank account, ATM withdrawals or gift cards
• 0% APR on balance transfers for 18 months, followed by a variable APR of 16.24% to 26.24%

• Citi Entertainment benefits

• Redeem rewards for statement credits or cash back or convert to Citi ThankYou points

Bonus Comparison

The Wells Fargo Active Cash Card and Citi Double Cash Card both offer solid welcome bonuses. You’ll get a $200 cash rewards bonus when you sign up and spend at least $1,000 on purchases within three months of account opening with the Wells Fargo Active Cash Card. That’s equal to about $334 in purchases per month for three months in a row. 

With the Citi Double Cash Card, you can earn $200 cash back after spending $1,500 on purchases within the first six months of account opening. That’s $250 in purchases per month for the first six months.

Rewards and Benefits Comparison

Both cards offer the same 2% cash rewards on purchases. These rewards can look a bit different in practice, though. 

You’ll only get the full 2% rewards with the Citi Double Cash Card when you pay your balances in full. You earn 1% when you make a purchase, and the other 1% when you pay it off. However, if you pay your card balance in full and on time each month, this shouldn’t affect you.

The Wells Fargo Active Cash Card is more straightforward: you’ll earn the 2% cash rewards when you make purchases. While you should still pay your balances in full and on time each month, this can be a benefit if you take advantage of this card’s introductory 0% APR for 15 months from account opening on new purchases and qualifying balance transfers (followed by a variable APR of 17.24%, 22.24%, or 27.24%). You’ll earn your rewards upfront, even as you work to pay off the balance within the intro period. 

Pro Tip

If you are looking for a credit card specifically to transfer existing debt and aren’t looking for ongoing rewards, the best balance transfer cards available today offer 0% APR for up to 20 billing cycles.

Another difference is redemption options. With the Citi Double Cash Card, you can redeem rewards for statement credits or cash back in amounts of $25 or more, but you can also convert your cash back to Citi ThankYou points. This second option can be particularly lucrative if you have a Citi travel rewards card like the Citi Premier® Card or Citi Prestige® Credit Card, which can unlock the potential to transfer your points to Citi’s airline and hotel partners.

The Wells Fargo Active Cash Card also has a few options, including redemptions for gift cards, statement credits, transfers to eligible Wells Fargo bank accounts, payments toward a Wells Fargo mortgage or ATM withdrawals with a Wells Fargo debit card.

APRs

Both of these cash back credit cards come with an introductory APR offer, but they are geared to different types of consumers. 

The Citi Double Cash offers 0% APR on balance transfers only for a lengthy 18 months, followed by a variable APR of 16.24% to 26.24%. If you have existing high interest debt you want to consolidate, this could be the better option. 

Meanwhile, the Wells Fargo Active Cash Card comes with 0% intro APR on both new purchases and qualifying balance transfers for 15 months from account opening, followed by a variable APR of 17.24%, 22.24%, or 27.24%. This makes it a good option for debt consolidation (though you’ll have less time to pay down your balance than with Citi Double Cash) or for paying down an upcoming large purchase over time.

Fees

Both of these cards have no annual fee. If you transfer a balance, you’ll pay the same 3% (minimum $5) balance transfer fee with both cards for a limited time. With Citi Double Cash, this fee applies for four months after account opening, then goes up to 5% (minimum $5). With the Wells Fargo Active Cash Card, the 3% intro balance transfer fee applies for 120 days after account opening, then goes up to 5% (minimum $5).

Both cards also charge the same 3% foreign transaction fee and up to $40 in potential fees for late or returned payments.

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Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Editor’s Score: (4.6/5)
  • Intro offer:
    $200 cash rewards
  • Annual fee:
    $0
  • Regular APR:
    17.24%, 22.24%, or 27.24% Variable APR
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Wells Fargo’s secure site See Rates & Fees.
Learn More externa link icon
Citi® Double Cash Card

Citi® Double Cash Card

Editor’s Score: (4.9/5)
  • Intro offer:
    $200 Cash Back
  • Annual fee:
    $0
  • Regular APR:
    16.24% – 26.24% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
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Chase Freedom Unlimited®

Chase Freedom Unlimited®

Editor’s Score: (4.7/5)
  • Intro offer:
    Earn an Additional 1.5% Cash Back
  • Annual fee:
    $0
  • Regular APR:
    17.24% – 25.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site

Deciding Between Wells Fargo Active Cash Card and Citi Double Cash Card

Flat 2% rewards are a great way to maximize every dollar you spend, and both the Wells Fargo Active Cash Card and Citi Double Cash Card excel in this category. But thanks to its broader 0% intro offer, the Wells Fargo Active Cash Card offers greater value for most cardholders, especially in the first year.

On top of the 2% cash rewards, you can earn a $200 cash rewards bonus if you spend at least $1,000 on purchases within the first three months. Plus, the 0% introductory APR offer for 15 months from account opening on this card extends to both new purchases and qualifying balance transfers, 17.24%, 22.24%, or 27.24% variable APR thereafter. Neither card comes with many added benefits, but the Active Cash cell phone protection (worth up to $600 against damage or theft) is another solid perk.

However, some people may find more value from Citi Double Cash. For example, if you’re consolidating debt, you’ll get an extra three months with this card’s 18-month 0% intro APR on balance transfers, (then 16.24% to 26.24% variable APR). The card is also a solid pick for unlimited cash back. Plus, the card now has a limited-time welcome offer. Or if you already have a Citi travel rewards card, you might benefit more from the option to transfer your cash back to Citi ThankYou points. 

At the end of the day, either one of these cards are a great choice. As 2% flat cash rewards cards with no annual fee, they even make great pairs for other cash back or rewards cards you might already have in your wallet. Before you apply, just make sure to compare all the cards you may qualify for with your spending habits, redemption preferences, and credit goals to find the right card for you.

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.