If you like the simplicity of Citibank’s Double Cash card, you can opt instead for the Capital One QuickSilver (1. •. AC has an interest-free promo period on purchases and BTs, where DC’s promo is only for BTs. Citibank offers a bigger cash bonus opportunity — up to $2,000. Wells Fargo Active Cash is a great credit card to compare because it has a $0 annual fee and rewards cardholders with 2% cash rewards on all purchases. Here are the earning rates for both cards: Wells Fargo Autograph: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases. 2% flat rate and then 3% on PayPal. With Citi Double Cash you get 1% back at the end of the statement cycle of the charge and 1% back at the end of the statement cycle of the payment. Earning rates. On the Citi Double Cash Card, you’d earn $100 in cash back for the month on $5,000 in spending after paying your bill in full. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. Once the introductory period is over, the regular APR ranges from 19. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. Credit Card by. 24%, 25. Bottom Line: Both the Freedom Unlimited card and Double Cash card offer straightforward simplified earning structures. Costco Anywhere Visa Card vs. This means. Pros Generous 18-month 0% introductory APR on balance transfers Flat cash-back rate No annual fee Cons Charges foreign transaction fees No added. While Citi has an APR range, Wells Fargo has three possible rates, depending on your credit. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. 31, 2024. The Citi Double Cash Card is a great cash-back option with no annual fee. The Wells Fargo Active Cash® Card offers an unlimited 2% cash back on all purchases and has an annual fee of $0. Excellent, Good, Fair. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. Wells Fargo Secured. Citi Double Cash® Card. Lorraine Smithills Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. With the Wells Fargo Active Cash, the same. The no-annual-fee Citi Double Cash® Card, for example, offers redemption flexibility with its rewards and has a 0% intro APR on balance transfers for 18 months. 24%, 25. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. One difference is that Wells Fargo offers a shorter 0% introductory rate. (Although I feel the Wells Fargo Active Cash is far superior to the CDC) CCC you get 5% on $500 so $25 in cash back and the remaining $1,500 is all at 1% so $15. Chase Freedom Unlimited spending example. One big reason why the Citi Double Cash Card wins this matchup is that it offers a very generous ongoing rewards rate: 2% cash. Specifically, this card offers a 0% intro APR for 15 months on purchases and on eligible balance transfers, then a variable APR of 17. Citi Double Cash. Receive two free years of Lyft Pink All Access (valued at $199/year) and a third year at 50% off when you activate a membership by Dec. Cash rewards cards that earn 2 percent on purchases aren’t unheard of, but the Active Cash card cuts the strings typically attached to that sky-high rate and leads the pack when it comes to. $0. The Wells Fargo Active Cash Card is a competitive addition to that short list, one-upping the terms of the Wells Fargo Cash Wise card and comparable to the established Citi Double Cash Card, another $0 annual. THE POINTS GUY. 24% - 29. I have the active cash and the PPMC, and will be PCing the WFAC to the Autograph as I am 4/24. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. 24%. Who the Wells Fargo Active Cash Card is Best For. Citi Double Cash® Card (see rates and fees) 2 ThankYou points on all purchases — 1 point when you purchase and another 1 point when you pay your bill. S. Annual fee: $0. 00 with Wells Fargo Active Cash Card. TD Double Up rewards. Downside is that redemptions can only be made in $25 increments, where earned Citi DC rewards can be redeemed in any amount. The Active Cash Card offers 0% intro. 24% (Variable) APR applies. effectively earns 2% cash back everywhere (1 point per dollar when you buy, and. But the Citi Custom Cash Card would. The Wells Fargo Active Cash Card is a flat-rate cash back credit card. See Rates and Fees. The Citi Double Cash and Wells Fargo Active Cash have similar earning rates and no annual fee, but one offers more benefits and a welcome bonus. Citi® Double Cash Card: Best for pairing. The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. It also offers a. Chase Freedom Unlimited®: Best for Bonus. Look up Alliant credit Union signature visa 2. Its limited-time offering of 10% cash back for Uber and Uber Eats. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Also no FTF, which is great for the occasional overseas trip. Don't Which To Choose. The Citi Double Cash® Card is a top-notch choice for everyday use, due to its simple and generous rewards. com database is $181. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. Rewards rate. It's also best if you need to pay off a high interest credit card. com purchases. 8 cents each, they can be worth much more when transferred to travel partners. Credit cards that are better than the Citi Double Cash Card may include Chase Freedom Unlimited® and Wells Fargo Active Cash, depending on your exact spending habits and preferences. 24% (Variable) APR applies. (Though paying statement balances in full. Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. So I signed up for Wells Fargo checking account so I could deposit my active cash cash back into the checking account. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). I'm very happy with this change. These are the popular cards that most people can accessibly earn a good flat-rate cash back. car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. Wells Fargo Active Cash® Card. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. The Wells Fargo Active Cash® Card, which launched in July 2021, has quickly distinguished itself as one of the best cash-rewards cards on the market. The Citi Double Cash® Card has an annual fee of $0 and earns 2% cash back on all purchases—1% when purchases are. Best for Long Introductory APR Period: Wells Fargo Reflect® Card. Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus. Rocket Visa Signature Card vs. ”. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and without any hoops to jump through. Like the Active Cash, the Citi Double Cash offers a flexible rewards program. 5 percent cash back, but no foreign transaction fee and a $150 sign-up bonus) or. I just called them yesterday to ask if the Autograph has the same $25 increment rule, and it does. Would take a lot of recurring spend for gas with the 1c extra in gas rewards to overcome the $200 signup bonus of the BofA customized cash (maxing gas at $7k spend at an extra 1% would only be an extra $70 per year on the Costco Visa vs the $200 BofA signup bonus). The Double Cash card usually offers a small welcome bonus. Still better than many of its better-known 2% competitors, including the Citi Double Cash, Wells Fargo Active Cash, FNBO Evergreen, Synchrony Premier, (Synchrony-issued) PayPal Cashback Mastercard, all of which charge a 3% FTF. The Wells Fargo Active Cash® Card offers a flat 2% cash rewards on purchases — one of the highest flat rewards rates available. 99% variable) Earn $200 after spending $500 in the first 3 months and unlimited 2% cash rewards on purchases. Citi Double Cash Card vs Citi Custom Cash Card. This likely doesn't. The 6% cash back on U. S. $0. The Citi Double Cash Card is a good alternative to the Wells Fargo Autograph if you want a no-annual-fee card that earns elevated rewards on all spending rather than a few categories. Wells Fargo Active Cash® Card. You'll find great stories as well as horror. Citi® Double Cash Card : Best for earning 2% cash back with a long intro APR. A balance transfer fee of up to 5% of the each. Credit CardsThe Blue Cash Everyday® Card from American Express is the winner over The Amex EveryDay® Credit Card from American Express. Bank of America loyalists. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. Bonus Card Option: Wells Fargo Active Cash Card. Citi Double Cash Card vs. Citi Double Cash vs. If you pool the Rewards+ with the other two card(s), then you get a 10% rebate on the Thank You Points you redeem from Double Cash and Custom Cash (up to 100,000 TYP per year). I just don't like the more limited visibility into WF. Pros: - 2% back on all purchases everywhere MasterCard is accepted. Citi Double Cash v. $0. Citi® Double Cash Card;. Wells Fargo is stingy on credit limits. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. The Citi Double Cash ® Card also offers a very long intro APR of 0% for 18 months on Balance Transfers. Citi Double Cash vs Wells Fargo Active Cash: 2% Credit Card. Wells Fargo Active Cash®. When it comes to ongoing rewards, Wells Fargo Active Cash offers a higher base earning rate on purchases. 24 percent. ) has been far better than Synchrony Bank on my Sam's Mastercard. (Though paying statement balances in full. So great if you want to float several thousand for 15 months putting it in money market instead earning a sweet 4. The Wells Fargo Active Cash® Card is an exception. Unlimited 2% cash back (you earn 1% when you make a purchase and 1% when you pay it off on time) Welcome offer of 20,000 ThankYou® Points, redeemable for $200 cash back, when you spend $1,500 on. Concierge service, 24/7. 5% cash back, a $150 bonus and 0% for 15 months on purchases and transfers. So if you open the Citi Double Cash® Card, you receive no interest for the first 18 months on balance transfers (then 19. 24%. The Wells Fargo Active Cash® Card is a no-annual-fee credit card that earns unlimited 2% cash rewards on purchases. Increased Cash Back Potential: If you shop online through the Rewards Center Earn Mall, you can access over 1,100 stores and earn more cash back. $0 . Earn 30,000 bonus points when you spend $1,500 in purchases in the first three months (a $300 cash redemption value) Earn unlimited 3X points per dollar at restaurants and gas stations and when spending on travel, transit, popular streaming service, and phone plans. WF has the ability to link to your PayPal so you don't have to wait for the $25 redemption minimum if you select that card as a payment method. 2% cash rewards on purchases. The no-annual-fee Wells Fargo Active Cash offers up to $600 of cellphone protection against damage or theft when you pay your monthly cell phone bill with your card (subject to a $25 deductible. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. See related: Wells Fargo Active Cash vs. I have had no major issues with using WF cards. 73. Meanwhile, the Citi Double. That describes the Citi Double Cash® Card. Wells Fargo Autograph: 3x restaurants, travel, gas, streaming, phone (plus replacement). Citi Double Cash. Other cash back cards earn more back. Specifically, I don't like that it's 1% cashback + 5% for whatever spending category it is every quarter. 24%, or 29. Citi® Diamond Preferred® Card vs. The Citi Double Cash is a popular cashback credit card because of its excellent earning potential. (on up to $6,000 in each category per year. . This is my default cashback combo that I would honestly be happy with using. Though we value Capital One miles at around 1. The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period. The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on all purchases and a generous sign-up bonus with no annual fee. 99% variable APR. You will earn unlimited 2% cash rewards on all of the purchases that you make. 6. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back cards. Wells Fargo Active Cash® Card;. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the first 90 days of account opening. Wells Fargo Reply BrutalBodyShots • Additional comment actions. But if you are looking for something that might be better I think the new PayPal credit card, which isn't available yet, would be a strong consideration. Wells Fargo Active Cash® Card: Best overall. Aside from the credit card partnership, they actually do own a portion of the company. 24% to 28. Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. 1 out of 5 rating 133 Reviews 133 Reviews Apply Now. Citi’s Double Cash Card lets you earn a net of 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. There doesn’t seem to be a specific minimum to redeem rewards for purchases or to buy with points. Like the Power Cash Rewards, the. 1. 3% back on. Lyft Pink All Access benefits include 10% off Lux rides, free priority pickup upgrades, cancellation. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. Wells Fargo Active Cash vs Chase Freedom Unlimited. ProsDoorDash Rewards Mastercard® vs. Amex Blue Cash Everyday is a better credit card because it offers cash back rewards, as there’s no difference between the cards’ fees or low-interest promotions. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. The $25 redemption limit doesn't bother me because I don't do anything with that little bit of cash back anyway. Wells Fargo Active Cash℠ Credit Card. Unlike other 2% cash-back cards like the PayPal Cashback Mastercard® * , it comes with. After that, an 19. 6 min read Sep 08, 2023. Earn an unlimited 2% cash back on every single purchase. See how it works. 24%, or 29. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through. Welcome bonus: $200 bonus after opening a Rewards Checking Plus account and making three debit card transactions within 60 days of account. Each eligible transaction will earn 2% cash back on all eligible purchases. The card has a $0 annual fee, too. 5% all purchass. As for the Citi Custom Cash, it is plainly obvious why it is so popular and has overtaken the Double Cash. Best for 2% Cash Back: Wells Fargo Active Cash® Card. Citi Double Cash® Card. 78% APR. Base rewards rate: 2% cash rewards on purchases. - Working and useable interface and app. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. Citi Double Cash. S. gas stations, and online retail purchases in the U. 2. 24% - 29. This is a fairly competitive welcome bonus for. 3. 36 cash back per year with Blue Cash Everyday from American Express and $240. Wells Fargo Active Cash® Card. •. Citi Custom Cash Card vs. Citi Double Cash vs WF Active Cash . A $ 200 cash rewards initial bonus. $200 SUB with $500 spend on the WF AC, vs. 5% cash-back rate on all other purchases while the Wells Fargo Active Cash card earns 2% cash-back on every purchase, regardless of category. The Citi Double Cash® Card is also a flat-rate cash back card like the American Express Cash Magnet Card, but it earns up to an unlimited 2% cash back on purchases — 1% when purchases are made. Bank Cash+® Visa Signature® Card. Rewards Rate. 1% back on all purchases and 1%. The card. Will have a lot of good categories above 2% and the active cash for everything else this way. Wells Fargo Active Cash Card. For most purchases you’ll earn 2% cash back – 1% when you make the purchase, and the other 1% once it’s paid off. Otherwise, I like WF Active Cash because of the bonus and Wells Fargo's customer service. 24% variable APR;. Further the points have a cash value of 100 points per dollar (or 1000 points per $10 as they stated), and points can be redeemed for cash at any time. The Citi Double Cash Card earns a net 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car. The Wells Fargo Active Cash offers a $200 cash rewards bonus and a 0% intro APR on balance transfers for 15 months, while the Citi Double Cash has no welcome bonus but flexible redemption options and a 0% intro APR on balance transfers for 18 months. Both cards offer 2 percent cash back on all purchases, but offer different benefits. For example, Chase Freedom Unlimited® can give better overall value due to its bonus categories, offering 1. $0 annual fee. The value of a 1. Not a banking app, just through PayPal (which most people already have). The Wells Fargo Active Cash is also a Visa Signature card and comes equipped with benefits such as 24/7 concierge service and access to Visa's Luxury Hotel Collection. Active Cash. 24% to 29. A comparison of two cash-back credit cards with an annual fee of $0 and unlimited 2% cash back. And there is no cap on how much cash. CDC which cashback is better2:24 - Annual Fee and Foreig. The Wells Fargo Active Cash signup bonus sees you getting a cash bonus of $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. Since the Active Cash get’s 2% cash back absolutely everywhere, I suspect it would earn more cash back for many family’s purchases since bills, car repairs, doctor bills, electronics, etc. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. 5% unlimited cash back on all purchases. Some of the PayPal card’s top competitors -- like the Wells Fargo Active Cash® Card and the Citi Double Cash® Card -- both offer a similar rewards program. Sep 19, 20239. Of all the flat-rate cards, the Wells Fargo Active Cash® Card is often touted as the best. The Citi Double Cash offers a generous 0% intro APR on balance transfers for 18 months, then. Citi Double Cash vs. Wells Fargo Active Cash Card Review 2022. Automatic cellphone protection when you pay your monthly bill with the card. Wells Fargo Active Cash Card: Earn unlimited 2% cash rewards on purchases; Capital One SavorOne: Earn 10% cash back on Uber & Uber Eats purchases (through 11/14/2024)Card type: Cash back. Wells Fargo Autograph℠ Card. So I'm looking at cards that always provide at least 2% cashback regardless of category. APR. 00 cash back per year with Citi Double Cash Card and $240. Wells Fargo Active Cash® Card 3. com A comparison of two no-annual-fee cards that offer 2 percent cash rewards on purchases. Its rewards rate of 2% cash rewards on purchases is ideal for someone whose spending. Capital One Spark Cash Plus. Finally, if you'd rather just earn a high rewards rate on everything, the Citi Double Cash® Card (see rates and fees) might be the ticket. Best Credit Cards of November. Citi Double Cash (DC) may be more worthwhile if you like 2% flat cashback. 99% variable APR), so you’d be. Unlimited 2% cash back (you earn 1% when you make a purchase and 1% when you pay it off on time) Welcome offer of 20,000 ThankYou® Points, redeemable for. Most 2% cards don't have a SUB, while most 1. Take a look at this table to quickly compare the primary benefits of. According to a LendingTree study, the average credit card sign-up bonus in 2022 was $157 — making this a competitive bonus. The Citi Custom Cash® Card (Citi is a Forbes Advisor partner) is big-idea plastic that works well as a companion card. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. After that, the standard variable. Based on identical spending inputs, you’ll earn $240. This Visa Signature. You shouldn't be "applying" for double cash. With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. The Active Cash is probably better on its own overall, especially due to the SUB. Two accounts, 3 cards, and 3% on basically everything and 2% on the miscellaneous other uncategorized transactions. Simply pick up the phone to call Visa Signature Concierge. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. Wells Fargo Active Cash® Card Best cards to pair with the Citi Double Cash Card When pairing credit cards, it’s best to choose a card that supplements and even makes. Compare The Drawbacks No credit card or financial product is without possible drawbacks, and it is important to be aware of the potential negatives before you make a final decision about which card is. Up to 2% cash back. S. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. It provides a simple model—earn 2% cash back on. The Citi Double Cash® Card outshines its competitor with a more substantial ongoing rewards rate on all purchases and a. Jump to. Anybody have a quick summary of this, so we do not have to watch a long, agonizing video? All I know is Costco takes Visa only so for me, it already 1 ups the Double Cash. Wells Fargo Active Cash® Card. Chase Freedom Unlimited®: Best no-annual-fee card. That’s a total of 2% cash back on everything you. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. As you get the entire 2% back two days after the statement cycle closes. Double Cash all day, especially if you have "ecosystems" in mind. The Wells Fargo Active Cash ® Card is a solid $0-annual-fee cashback credit card with potentially even better rewards than the Bank of America Unlimited Cash Card. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. These are solid benefits for a card with no annual fee. After that, the standard variable. Chase Sapphire Preferred Wells Fargo Active Cash. Cash-back rewards. Citi Double Cash Card. So if you open the Citi Double Cash® Card, you receive no interest for the first 18 months on balance transfers (then 19. They usually give me less than half of the limits I get from Citi. The Wells Fargo Active Cash card comes with a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20. Never has been a problem with Wells FargoWells Fargo Active Cash® Card;. Citi Double Cash $200 Welcome Offer. The Wells Fargo Platinum card does not come with any rewards, either as an initial sign-up bonus or for ongoing purchases. There are better 2% alternative like the WF active cash with a nice sub. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Citi Double Cash. Chase Sapphire Preferred Wells Fargo Active Cash. The Wells Fargo Active Cash Card doesn’t offer travel or purchase protections like the Amazon Visa card, but it does include cellphone protection if you pay your cellphone bill with the card. Cardholders Earn unlimited 2% cash rewards on purchases. Bank of America Unlimited Cash Card vs. Wells Fargo Active Cash® Card. Best for Choice of Bonus Categories: U. Whereas with WF Active Cash you can only redeem cashback in increments of $25. 99% Variable regular APR after that) An introductory APR of 0% for 15 months from account opening on qualifying balance transfers. Wells Fargo Active Cash® Card. Specifically, this card offers a 0% intro APR for 15 months on purchases and on eligible balance transfers, then a variable APR of 17. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. Costco Anywhere Visa Card vs. 99%. Learn more: Citi® Double Cash Card. 74%,. Citi Custom Cash® Card. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. Select compares the 5% cash-back Citi Custom Card and the 2% flat cash-back Citi Double Cash Card. I know people hate Wells Fargo but I like my active cash and autograph card. Citi is way less grimey and with the Rewards + card, the Citi double cash yields 2. The Active Cash earns 2% cash. Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives. You must select Apply Now on this page to take advantage of this specific offer. 24%, 25. FNBO Evergreen (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. S. but I prefer my Citi double cash card, which is 2% as well. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. Costco Anywhere Visa® Card by Citi *: Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter, 3% cash back on restaurants and eligible. Wells Fargo, making a stronger push into the credit cards business, has introduced one of the most compelling flat-rate credit cards on the market. Citi Double Cash vs. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim.