Wells Fargo Active Cash vs. Citi Double Cash: Which Cashback Card is Better?

Wells Fargo Active Cash and Citi Double Cash are two popular credit cards that offer cashback rewards to their customers. Both cards are designed to help individuals earn cashback on everyday purchases, but they have different features and benefits that make them unique. In this article, we will compare Wells Fargo Active Cash vs. Citi Double Cash to help you decide which card is best for you.

Wells Fargo Active Cash is a cashback credit card that offers a flat rate of 2% cashback on all purchases. The card has no annual fee and offers a sign-up bonus of $200 cashback when you spend $1,000 in the first three months of account opening. In addition, the card offers cell phone protection, travel accident insurance, and extended warranty protection on eligible purchases.

Citi Double Cash, on the other hand, offers 2% cashback on all purchases – 1% when you make a purchase and an additional 1% when you pay your bill. The card also has no annual fee and offers a sign-up bonus of $200 cashback when you spend $500 in the first three months of account opening. In addition, the card offers access to Citi Entertainment, which provides exclusive access to events and experiences.

Overall, both Wells Fargo Active Cash and Citi Double Cash are great options for individuals looking to earn cashback rewards on their everyday purchases. However, the decision between the two ultimately comes down to personal preferences and spending habits.

Card Overview

Wells Fargo Active Cash and Citi Double Cash are two popular cashback credit cards that offer great rewards and benefits to their users. Both cards have their own unique features and benefits that make them a great choice for different types of spenders.

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Wells Fargo Active Cash Features

Wells Fargo Active Cash is a cashback credit card that offers unlimited 2% cash rewards on all purchases, with no category restrictions or caps. This means that users can earn cashback on all their purchases, no matter where they shop or what they buy. In addition to the cashback rewards, Wells Fargo Active Cash also offers a 0% introductory APR on purchases and balance transfers for the first 15 months, making it a great choice for those looking to make a big purchase or transfer a balance from another card.

Citi Double Cash Features

Citi Double Cash is another popular cashback credit card that offers users the opportunity to earn cashback on all their purchases. With Citi Double Cash, users earn 1% cashback on all purchases, and an additional 1% cashback when they pay their bill, for a total of 2% cashback on all purchases. This makes Citi Double Cash a great choice for those who want to earn cashback on their purchases and also want to be rewarded for paying their bill on time.

Overall, both Wells Fargo Active Cash and Citi Double Cash are great cashback credit cards that offer users the opportunity to earn rewards on all their purchases. While Wells Fargo Active Cash offers a higher cashback rate, Citi Double Cash offers an additional 1% cashback when users pay their bill, making it a great choice for those who want to be rewarded for paying their bill on time.

Detailed Comparison

Rewards and Cash Back

Wells Fargo Active Cash and Citi Double Cash both offer impressive rewards and cashback programs, making it difficult to choose between them. Wells Fargo Active Cash offers 2% cashback on all purchases, while Citi Double Cash offers 1% cashback on all purchases and an additional 1% cashback when the balance is paid off. This means that Citi Double Cash offers a higher cashback rate, but only if the balance is paid off in full.

Interest Rates and Fees

When it comes to interest rates and fees, both Wells Fargo Active Cash and Citi Double Cash have similar rates. Both cards have a 0% introductory APR for the first 15 months, after which the APR ranges from 15.49% to 27.49% for Wells Fargo Active Cash and from 13.99% to 23.99% for Citi Double Cash. Both cards also have no annual fees, making them a great option for those looking to save money.

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Additional Benefits

Wells Fargo Active Cash offers a few additional benefits that Citi Double Cash does not. For example, Wells Fargo Active Cash offers cell phone protection when the phone is paid for with the card, and it also offers travel and emergency assistance services. Citi Double Cash, on the other hand, offers a longer introductory APR period of 18 months for balance transfers, which may be a better option for those looking to transfer high-interest debt.

User Experience

Both Wells Fargo Active Cash and Citi Double Cash offer user-friendly experiences, with easy-to-use mobile apps and online account management. However, Wells Fargo Active Cash offers more customization options, such as the ability to choose your own design for the card, which may be appealing to some users.

Security Features

Both Wells Fargo Active Cash and Citi Double Cash offer standard security features, such as fraud protection and zero liability for unauthorized purchases. However, Citi Double Cash also offers a virtual account number feature, which allows users to generate a unique number for each online purchase, adding an extra layer of security.

Overall, both Wells Fargo Active Cash and Citi Double Cash are great options for those looking for a cashback credit card, with similar interest rates and fees. The decision ultimately comes down to personal preference and which additional benefits are more important to the user.

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