Citi Double Cash® vs. Wells Fargo Active Cash®

Side-by-side comparison · Updated 2026 · Independently reviewed

Citi logo
Citi Double Cash®
Citi
4.6

2% cash back: 1% when you buy, 1% when you pay.

Full review →
Wells Fargo logo
Wells Fargo Active Cash®
Wells Fargo
4.6

Unlimited 2% cash back. $200 bonus. No annual fee.

Full review →
WealthSpott Verdict

Citi Double Cash® wins on more measurable categories — particularly annual cost. Wells Fargo Active Cash® may still win for your wallet depending on how you spend.

Feature
Citi Double Cash®
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
2%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 18 months
0% for 15 months
Regular APR
19.24%-29.24% Variable Best
19.49%-29.49% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Citi Double Cash®
Pros
  • 0% APR for 18 months on purchases and balance transfers
  • 2% cash back (1% + 1%)
Cons
  • No bonus categories
Full review
Wells Fargo Active Cash®
Pros
  • 2% cash back on all purchases
  • $200 sign-up bonus
  • No annual fee
  • 0% intro APR for 15 months
Cons
  • 3% foreign transaction fee
  • No bonus categories for heavy spenders
Full review

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