I will say I've had multiple Citi merchant offers not pay me out after redeeming. Skip To Content Toggle Menu Back. This bonus offer will be fulfilled as 20,000. . If you're looking to make a large purchase. Credit Cards. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. 00 with Wells Fargo Active Cash Card. 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). As a Citi customer, as with most other card companies, you can get help with your card or account 24 hours. 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 Autograph℠ Card. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Wells Fargo Active Cash vs. Its score was 805, just a few points below the national average for credit card issuers. Citi. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. Active Cash. coopdude • 3 days ago. Best for easy sign-up bonus. 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). Best for Choice of Bonus Categories: U. » MORE: Credit cards that earn 2% cash back or more on purchasesA prime choice would be the 2 percent cash rewards rate from the Wells Fargo Active Cash card or the similar Citi Double Cash® Card since it earns up to an unlimited 2 percent cash back (1. No annual fee: The Wells Fargo Reflect Card has a $0 annual fee, and the Active Cash Card has a $0 annual fee. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. Best for Choice of Bonus Categories: U. New cardholders can also earn a $200 cash rewards bonus after spending $500 in purchases within. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The Citi Double Cash Card is the winner over Discover it® Cash Back. Simply pay your monthly cell phone bill with your Wells Fargo Active Cash card and you can receive up to $600 of cell phone protection against damage or theft. 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. It also offers a. The Citi Double Cash is a popular cashback credit card because of its excellent earning potential. com In head-to-head competition, which of these rewards credit cards wins out? Here’s what. There’s. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. After that, an 19. 19. ) has been far better than Synchrony Bank on my Sam's Mastercard. Regardless if you are successful or not, then apply for the Wells Fargo Active Cash Visa. Typically, when you make purchases on a credit card, you are given a grace period of around 30 days before you owe any interest. $0. Wells Fargo Active Cash Card vs. The CFU has even more potential because it can be combined with the Chase Sapphire Preferred or Reserve. The Freedom Unlimited card is a good choice if you’ll spend on select travel via the Chase travel portal, on dining, and at drugstores. 24% to 29. Citi Double Cash Card vs. Citi Double Cash (DC) may be more worthwhile if you like 2% flat cashback. 1% back on all purchases and 1%. Blue Cash Everyday ® Card from American ExpressTD Double Up Credit Card vs. offers of $150 for $1500 spend on the Fidelity card. Pros 2% cash back on. A comparison of two cash-back credit cards with an annual fee of $0 and unlimited 2% cash back. Citi Double Cash vs. APR. Finally, they cash out at a standard . 31, 2024. If you're looking to make a large purchase. Citi Double Cash has a $25 minimum amount redemption. 2% flat rate and then 3% on PayPal. See Rates and Fees. You’ll get the full bonus sooner from Wells Fargo Active Cash, while the Chase Freedom Unlimited card’s bonus is slightly more valuable. 3. The card. Citi Double Cash. The Wells Fargo Active Cash ® Card, a 2% unlimited cash-rewards card with no annual fee, is sure to be one of the most popular options among flat-rate cash-rewards cards on the market. A $ 200 cash rewards initial bonus. Bank Cash+® Visa Signature® Card. 5% card. Specifically, I don't like that it's 1% cashback + 5% for whatever spending category it is every quarter. $0 annual fee. The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new card. Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. 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. As I noted above, the only real negative IMO is the 3% foreign transaction fee. Rewards Rate. If you're looking for a major bank that's free of scandals, it doesn't exist. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. Application Link. 10% APY, while those with a. 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. While the Citi Double Cash card is the most popular 2 percent cash back card, you might not actually earn 2 percent rewards. Those who prefer to take rewards as cash back deposited into a checking account might do better with the Citi Double Cash® Card or the Wells Fargo Active Cash® Card. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $500 in the first 3 months and a $0 annual fee. Citi Double Cash. Flat-rate cards earn the same percentage on every purchase—typically 1% to 2% cash back on all spending. Citi Double Cash vs Wells Fargo Active Cash Review - YouTube In this video, we're comparing the Wells Fargo Active Cash vs Citi Double Cash Credit. This Wells Fargo Active Cash Card review covers the pros and cons of this credit card, including its high cashback rewards and welcome bonus. The card has a $0 annual fee, too. Excellent, Good, Fair. Wells Fargo Active Cash® Card. With the Citi Double Cash Card, you’ll earn 1% cash back when you make a purchase and an additional 1% when you pay off your balance. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. Costco Anywhere Visa Card vs. After that, the standard variable APR will be 19. Autograph + Active Cash + Grocery card would be really easy and simple cash-back set-up for most people. For context, the average annual rewards payout from the cashback credit cards in the investor. Best for Automatic 5%. It essentially means you have 0% cashback until you spend exactly $1,250 to reach the $25 increment. Wells Fargo Active Cash® Card. Meanwhile, the Citi Double. Double Cash might be better for a traveler because of the transfer partners it has and the potential to combine points with Citi Premier. Citi Custom Cash Card vs. Rocket Visa Signature Card vs. 5% cash-back. Wells Fargo Reflect® Card: Best balance transfer card. Best for flat-rate cash back. Card Name. And Wells Fargo no longer has a minimum rewards redemption requirement. You’ll earn 5%. Citi Double Cash: 2% everything. Wells Fargo is stingy on credit limits. 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. The Chase Freedom Unlimited requires you to spend $500 in the first three months while the Wells Fargo Active Cash requires $1,000 in spending in the first three months. Citi Double Cash® Card. The Wells Fargo Active Cash is probably the most comparable card to the Citi Double Cash, yet. 1 out of 5 rating 133 Reviews 133 Reviews Apply Now. Few cards offering an unlimited 2% cash back on spending provide meaningful extras and perks, but the Wells Fargo Active Cash® Card offers cell phone protection. With Citi Double Cash the $25 is the redemption minimum, so once you accrued over $25, you can redeem the entire cash back balance. This usually takes 1-2 billing cycles. Wells Fargo Active Cash® Card review: This well-rounded credit card earns unlimited 2% cash rewards, charges no annual fee, and offers a $200 welcome bonus and a 15-month 0% introductory APR. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. 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. Welcome bonus: Earn a $250 statement credit after spending $3,000 in purchases in. 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 Wells Fargo Active Cash card I believe has some restrictions on how you can redeem the cash back you will want to read the fine print there. 99% Variable regular APR after that) An introductory APR of 0% for 15 months from account opening on qualifying balance transfers. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. Also no FTF, which is great for the occasional overseas trip. Annual fee: $0. Citi Double Cash vs. •. Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. Plus, the card offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months. Will have a lot of good categories above 2% and the active cash for everything else this way. Wells Fargo Active Cash ® Card. With the Citi Custom Cash, you’ll start off by earning $200 cash back by spending just $1,500 on new purchases within six months of account opening. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases and offers a $0 annual fee, 0% intro APR for 15 months from. Its limited-time offering of 10% cash back for Uber and Uber Eats. The Wells Fargo Platinum offered a 0% intro APR on qualifying balance transfers for. Learn more about this card. 99%. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. . This likely doesn't. Rewards Rate. Citi Double Cash vs Wells Fargo Active Cash. Citi® Diamond Preferred® Card vs. Both offer unlimited 2% cash back/cash rewards on purchases (although with the Double Cash, you need to pay off your purchases first to get the full 2%), while the Citi Rewards+ only earns 2% back in two categories with a $6,000 annual. The $25 redemption limit doesn't bother me because I don't do anything with that little bit of cash back anyway. $0. Certainly any big regulatory changes, particularly on interchange fees, could make any 2% card non-viable, but personally if I were looking for a new 2% card the Double Cash would probably beat out the Evergreen and the Active Cash. See how it works. partial_to_fractions. 5%. It's also best if you need to pay off a high interest credit card. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. The Wells Fargo Active Cash® Card also comes with a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening, while the Citi® Double Cash Card. Citi Double Cash Card. 00 cash back per year with Citi Double Cash Card and $240. The major difference between the Citi Double Cash vs. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. the Wells Fargo Active cash is the introductory APR offers. Bottom Line: Both the Freedom Unlimited card and Double Cash card offer straightforward simplified earning structures. The only downside to this change are to the people who made use of the Citi Bonus Cash Center (Citi's own shopping portal). Citi Double Cash. The Citi® Double Cash Card is a $0 annual fee credit card that earns 1% back on all purchases and 1% back when you pay off those purchases. They usually give me less than half of the limits I get from Citi. (Though paying statement balances in full. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months 1Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. No annual fee: Capital One Quicksilver vs. With the Wells Fargo Active Cash Card you get a similar $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. The closest cash back card the Googles is telling me is the Wells Fargo active cash card which is at 2%, but I know Wells Fargo is a shady piece-of-shit company with lots of scandals and pending class action law suits. com A comparison of two no-annual-fee cards that offer 2 percent cash rewards on purchases. After that, the standard variable. Here’s an overview of how cash back works on credit cards: Earn a percentage of the amount paid every time you make a qualifying purchase with your cash back credit card. They usually give me less than half of the limits I get from Citi. This is a fairly competitive welcome bonus for. I just don't like the more limited visibility into WF. Capital One Quicksilver Cash Rewards. Bank of America® Customized Cash Rewards Credit. I miss out on on the $300 intro bonus but will be going for the CSR this summer to complete the Chase Trifecta. $200 SUB with $500 spend on the WF AC, vs. Who the Wells Fargo Active Cash Card is Best For. Chase Freedom Unlimited vs. NerdWallet's . 24% - 29. You get 1% cash back when the purchase is made, and the. Bank of America Unlimited Cash Rewards 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. Wells Fargo Active Cash®. 6 min read Sep 08, 2023. For. Upgrade Triple Cash Rewards basics. If you plan to get the Citi trifecta get Double Cash because it earns ThankYou puts that you can use for travel and potentially get more than 2%. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim. The Wells Fargo Active Cash® Card is an exception. The Double Cash card usually offers a small welcome bonus. No annual fee. Discover It Cash Back v. Citi® Double Cash Card vs. I wouldn't want a Wells Fargo account and I think Citi has the most stable product currently. gas stations, and online retail purchases in the U. The $18,088. The Wells Fargo Active Cash® Card offers easy, generous and unlimited flat-rate reward on spending with no categories or spending caps to keep track of, Plus a low intro APR offer on purchases. 24%, or 29. Sep 19, 20239. Pros 2% cash back on. 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. Alliant Visa® Platinum * vs. 24%, or 29. I received an email yesterday from Citi stating that the 1% cash back on purchases and 1% cash back on payments is changing to 1 point on purchases and 1 point on payments. Cash-back rewards. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). Costco Anywhere Visa Card vs. Wells Fargo Active Cash vs. American Express Blue Cash Everyday: 3x groceries, online purchases, gas. The Citi Double Cash has no SUB. 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. Blue Cash Everyday ® Card from American Express TD Double Up Credit Card vs. 99% variable APR applies. That describes the Citi Double Cash® Card. 1 day ago · What is a negative credit card balance? A negative credit card balance is a balance below zero. Citi Custom Cash vs Double Cash - One card only, which to choose?. 73. It has a $200 welcome bonus, cell phone insurance, and it works with digital wallets. Cardholders Earn unlimited 2% cash rewards on purchases. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. Note, the Citi Custom Cash technically earns basic ThankYou points, so your welcome bonus will be rewarded in the form of points (redeemable for $200 in cash. Citi® Diamond Preferred® Card vs. 8 cents each, they can be worth much more when transferred to travel partners. Capital One Quicksilver Cash Rewards. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. You shouldn't be "applying" for double cash. 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. Unlike. The winner: Blue Cash Preferred. 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. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back. Neither. 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. At. I know people hate Wells Fargo but I like my active cash and autograph card. Easy-to-earn sign-up bonus. Aside from the credit card partnership, they actually do own a portion of the company. The Citi Double Cash and Wells. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. 24% - 29. Key Cashback® Credit Card * vs. Credit Cards. Chase Freedom Unlimited®: Best no-annual-fee card. Wells Fargo Active Cash Visa® Card 2% cash back on everything Citi Custom Cash Card 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter - Is this only for 1 category?By our calculations, those who spend $2,000 per month (or $24,000 per year) will earn the same $480 in cash back with both the Citi Custom Cash and Citi Double Cash. You also don’t have to jump through any hoops to get the full. A number of other flat-rate cash-back cards earn 1. Synchrony Premier World Mastercard® * vs. 24% - 29. When the Fidelity card dropped that benefit it's what made me start looking for another card. The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. It can help you save energy because it reduces the flow of electricity to the bulb, so the. Based on identical spending inputs, you’ll earn $201. Both cards offer a $200 welcome offer bonus. Citi Simplicity cons. 5 - 5% cash back on purchases. 24%. Also, cash back rewards do not expire as long as your account stays open. Annual fee: $0 intro annual fee for the first year, then $95. 24% - 29. You'll find great stories as well as horror. 24%. One difference is that Wells Fargo offers a shorter 0% introductory rate. 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. Citi® Double Cash 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. Chase Freedom Unlimited vs. Bank of America loyalists. I have a few other cash back cards, my main one is Citi® Double Cash Credit Card. Regular APR is high: The main draw for this card is the introductory APR to help you pay down debt. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. So great if you want to float several thousand for 15 months putting it in money market instead earning a sweet 4. 5/10 CNET Rating See Rates & Fees Apply Now On Wells Fargo's secure website Intro Offer $200 cash rewards Annual fee $0 APR 20. The difference between Blue Cash Everyday. When your balance is negative on a credit card, it means you’ve paid more than you currently owe. 5 card will immediately give you $200 of value for hitting the SUB while a 2% card will have to take years to give you that same value you can get in just a couple months conversely The Active Cash is probably better on its own overall, especially due to the SUB. There’s a welcome bonus of $100 statement credit after spending $1,000 on purchases in the first. Wells Fargo. Bank Visa® Platinum Card *. Though we value Capital One miles at around 1. I’m looking at getting 1 of these 2 options, mainly to pay wedding vendors. One big reason why the Citi Double Cash Card wins this matchup is that it offers a very generous ongoing rewards rate: 2% cash. Wells Fargo Active Cash® Card vs. 00 with Wells Fargo Active Cash Card. This card doesn’t have any bonus categories as tiered rewards cards do. Finally, they cash out at a standard . Annual fee: $0. Wells Fargo Reflect® Card. Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. Quicksilver offers 1. Wells Fargo Active Cash Card Review 2022. ”. Best for 2% Cash Back: Wells Fargo Active Cash® Card. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. 7 minute read. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and without any hoops to jump through. The Double Cash provides 18 months of 0% introductory APR on balance transfers. Wells Fargo Active Cash® Card is a great card that also has a simple rewards structure. Wells Fargo Secured. 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. 99%. Base rewards rate: 2% cash rewards on purchases. Wells Fargo Active Cash® Card: Best overall. Using the card for. For your hypothetical, I’d suggest a Citi Double Cash and Citi Costco Visa Maximize cash back and points: 2x base using the Double Cash 3x dining, flights, hotels and car rental 4x gas. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. 5%). Citi® Double Cash Card : Best 2% cash back card for balance transfers. While the benefits of the Citi Double Cash Card are minimal, the Wells Fargo Active Cash Card is more powerful, offering benefits. See the pros and cons of each card and how to choose. Both good cards, both have their uses. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. 24% or 29. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. This card is. For most purchases you’ll earn 2% cash back – 1% when you make the purchase, and the other 1% once it’s paid off. This card also comes with no annual fee, and new. THE POINTS GUY. Capital One Quicksilver Verdict Chase Freedom Unlimited® is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Wells Fargo Active Cash vs. A balance transfer fee of up to 5% of the each. 31 back. 24%. There are no category restrictions and cash rewards don’t expire as long as your account remains open. I didn't mention this previously, but here's a breakdown of the Citi Custom Cash vs the. But Citi Double Cash gives 1% cash back on all purchases, plus another 1% back when cardholders pay their Double Cash bill each month. Citi Double Cash® Card Those seeking a balance transfer card with longevity past the 0% APR period will find the no-annual-fee Citi Double Cash more attractive than. 3 important differences between Wells Fargo Autograph vs. Also Wells Fargo has a $300 checking account bonus right now. JS by Jason Steele Edited by Ryan M Tronier July 31, 2023. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. 24 percent. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. This card offers $200 cash rewards after spending $500 in the first 3 months. You will earn unlimited 2% cash rewards on all of the purchases that you make. For the Reflect card, you will be able to get 0% intro APR for 18 months on purchases and balance transfers, then 18. The WF Active Cash, on the other hand, provides 0% intro APR for 15 months on both purchases and balance transfers. Generally, Wells Fargo has higher rates, so in combination with the shorter 0% rate period, Citi is more attractive. 3. Wells Fargo Cash Wise Visa card. 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. 5% cash back for everyone else. 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. Each eligible transaction will earn 2% cash back on all eligible purchases. Earning rates. Balances under $25,000 will earn 0. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. Welcome Bonus. The Citi Double Cash® Card (see rates and fees) is considered one of the best cash reward cards on the market.