Citi Simplicity® vs. Wells Fargo Active Cash®
Side-by-side comparison · Updated 2026 · Independently reviewed
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Citi Simplicity® 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 Simplicity®
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
0%
2%
Rewards Type
None
Cash Back
0% Intro APR
0% for 12 months
0% for 15 months
Regular APR
18.49%-28.99% Variable Best
19.49%-29.49% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
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
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