Both the Wells Fargo Active Cash Card and the Citi Double Cash Card offer similar rewards structures with a flat 2% cash back on all purchases. The Citi Double Cash Card stands out with its longer 0% intro APR on balance transfers and additional rewards on travel booked through Citi's portal. However, the Wells Fargo Active Cash Card has an easier-to-achieve sign-up bonus. The choice depends on whether you prioritize balance transfers or sign-up bonus accessibility.
| Attribute | Wells Fargo Active Cash Card | Citi Double Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Regular APR | 19.24%, 24.24%, or 29.24% (Variable) | 18.24% - 28.24% (Variable) |
| Purchase APR | 0% introductory APR for 12 months from account opening; After the intro period: 19.24%, 24.24%, or 29.24% (Variable) | 18.24% - 28.24% (Variable) |
| Balance Transfer APR | 0% introductory APR for 12 months from account opening on qualifying balance transfers; After the intro period: 19.24%, 24.24%, or 29.24% (Variable) | 0% introductory APR for 18 months on balance transfers. After the intro period, the variable APR is 18.24% - 28.24%. |
| Cash Advance APR | 29.99% (Variable) | Not specified, but typically higher than the purchase APR, and it starts accruing interest immediately. |
| Rewards Rate on Purchases | Unlimited 2% cash rewards on purchases | Unlimited 1% cash back when you buy, plus an additional 1% as you pay, totaling 2% cash back on all purchases. Also, earn 5% total cash back on hotel, car rentals, and attractions booked on the Citi Travel portal. |
| Sign-Up Bonus | $200 cash rewards bonus after spending $500 in purchases in the first 3 months | Earn $200 cash back after spending $1,500 on purchases within the first 6 months of account opening. This is fulfilled as 20,000 ThankYou Points, redeemable for $200. |
| Foreign Transaction Fee | 3% of each transaction converted to U.S. dollars | 3% of the U.S. dollar amount of each purchase. |
| Credit Score Required | Good/Excellent | Fair/Good/Excellent |
| Balance Transfer Fee | Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, it's up to 5% for each balance transfer, with a minimum of $5. | Intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum). |
| Cash Advance Fee | Either $10 or 5% of the amount of each advance, whichever is greater | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Introductory APR Period | 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers | 0% intro APR for 18 months on balance transfers. |