Citi Double Cash vs Wells Fargo Active Cash

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Updated Oct 29, 2026 · Written by Cash Back Specialist Editors · Reviewed by: reviewer to be added · How we rate cards

Short answer: Both pay 2% with no annual fee. Pick the Wells Fargo Active Cash if you want a welcome bonus and a 0% intro APR on new purchases. Pick the Citi Double Cash if you mainly want to transfer a balance, or you already use Citi ThankYou Points.

Side by side

Citi Double Cash Wells Fargo Active Cash
Cash back 2% (1% when you buy + 1% as you pay) 2% cash rewards on purchases
Annual fee $0 $0
Welcome offer Not verified yet: check the issuer’s current terms $100 after $500 in 3 months
Intro APR Balance transfers only 0% for 12 months on purchases and qualifying balance transfers
Regular APR Not verified yet: check the issuer’s current terms 18.74%, 24.74% or 28.74% variable
Foreign transaction fee Not verified yet: check the issuer’s current terms 3%
Travel portal bonus 5% total on hotels, car rentals and attractions via Citi Travel None listed

Winner by use case

  • Big purchase you’ll pay off over months: Active Cash (purchase intro APR).
  • Paying down a balance from another card: Double Cash is built for balance transfers; compare both cards’ transfer fees first.
  • First-year value: Active Cash, because its $100 bonus is published; check Citi’s current offer.
  • Long-term everyday earning: a tie at 2%.

Can you have both?

Yes, but there’s little reason to: they earn the same rate. A better pairing is a 2% card plus a category card, such as a grocery or rotating 5% card.

Citi Double Cash® Card

Annual fee $0 (Citi's pricing details: Annual Fee – None)
Rewards
  • 2% cash back on purchases: 1% when you buy plus 1% as you pay, earned as ThankYou® Points
  • Extra 3% (5% total) on hotels, car rentals and attractions booked through Citi Travel
Welcome offer Not verified yet: check the issuer’s current terms
Intro APR Intro APR applies to balance transfers only, not purchases (rate and length shown on Citi's application page)
Regular APR Not verified yet: check the issuer’s current terms
Foreign transaction fee Not verified yet: check the issuer’s current terms

See rates & fees on Citi's site Read our full review

Terms checked on Citi’s site on Oct 29, 2026. Offers change; confirm the current rates and fees before you apply.

Wells Fargo Active Cash® Card

Annual fee $0
Rewards
  • Unlimited 2% cash rewards on purchases
  • No categories to track; rewards don't expire while the account is open
Welcome offer $100 cash rewards bonus after $500 in purchases in the first 3 months
Intro APR 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (balance transfers made within 120 days)
Regular APR 18.74%, 24.74% or 28.74% variable APR after the intro period
Foreign transaction fee 3% of each foreign transaction converted to U.S. dollars

See rates & fees on Wells Fargo's site Read our full review

Terms checked on Wells Fargo’s site on Oct 29, 2026. Offers change; confirm the current rates and fees before you apply.

Frequently asked questions

Which is better, Citi Double Cash or Wells Fargo Active Cash?

Both earn 2% with no annual fee. The Active Cash adds a published $100 bonus and a 0% intro APR on purchases; the Double Cash's intro APR applies to balance transfers only.

Do both cards earn 2% right away?

The Active Cash earns 2% cash rewards when you make purchases. The Double Cash earns 1% when you buy and the second 1% as you pay.

Sources