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Card vs Card Comparison

Citi Double Cash
vs
Wells Fargo Active Cash.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Citi

Citi Double Cash

Annual fee

Free

Points

Citi ThankYou

Signup bonus

$200 cash back after $1.5K in 6 months

Top earning rates

  • →2% on everything (1% when you buy, 1% when you pay)
  • →No category tracking, no caps, no enrollment
  • →Points convert to ThankYou Points when paired with a Strata Premier

Top perks

  • →No annual fee
  • →Simple flat-rate earn
  • →Pairs with Custom Cash for a 5%-plus-2% combo
See Citi Double Cash detailsarrow_forward

Wells Fargo

Wells Fargo Active Cash

Annual fee

Free

Points

Cashback

Signup bonus

$200 cash back after $500 in 3 months

Top earning rates

  • →2% flat cash back on every purchase
  • →No category caps or enrollment

Top perks

  • →No annual fee
  • →Cell phone protection
  • →Long 0% intro APR on purchases and balance transfers
See Wells Fargo Active Cash detailsarrow_forward

The verdict

When each card wins.

Citi Double Cash wins if

Pick this if you want a no-fee 2% everywhere card with no categories to manage.

Honest downside: No bonus categories, no travel perks, no signup bonus. Pure cashback workhorse.

Wells Fargo Active Cash wins if

Pick this if you want a simple 2% cashback card with a long 0% intro APR period for a planned large purchase.

Honest downside: No transfer partners. Pure cashback with no travel upside.

At a glance

Side-by-side spec sheet.

SpecCiti Double CashWells Fargo Active Cash
Annual feeFreeFree
Points currencyCiti ThankYouCashback
Signup bonus$200 cash back$200 cash back
Top earn category2% on everything (1% when you buy, 1% when you pay)2% flat cash back on every purchase
Second earn categoryNo category tracking, no caps, no enrollmentNo category caps or enrollment
Third earn categoryPoints convert to ThankYou Points when paired with a Strata PremierStandard 1x earn
Signature perkNo annual feeNo annual fee
IssuerCitiWells Fargo

Questions

Frequently asked.

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

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Citi Double Cash wins if you want a no-fee 2% everywhere card with no categories to manage. Wells Fargo Active Cash wins if you want a simple 2% cashback card with a long 0% intro APR period for a planned large purchase.

Can I have both the Citi Double Cash and the Wells Fargo Active Cash?

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Yes. These are issued by different banks (Citi and Wells Fargo), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Citi Double Cash or Wells Fargo Active Cash?

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Both cards charge a $0 annual fee. The right pick comes down to which earning categories and perks you'll actually use.