The Credit Ledger Comparison
Citi Double Cash Card vs Wells Fargo Active Cash Card
Both are strong cards, but they suit different spenders. Here is how they stack up on fees, rewards, and real value, with our independent take on which wins for you.
| Feature | Citi Double Cash Card | Wells Fargo Active Cash Card |
|---|---|---|
| Our rating | 4.1 / 5 | 4.1 / 5 |
| Annual fee | No annual fee | No annual fee |
| Welcome bonus | $200 cash back after $1,500 spend in 6 months | $200 cash rewards after $500 spend in 3 months |
| Top rewards | 2% Every purchase (1% when you buy plus 1% when you pay) | 2% cash rewards All purchases |
| Intro APR (purchases) | None | 0% intro APR for 12 months |
| Intro APR (balance transfers) | 0% intro APR for 18 months on balance transfers (complete within 4 months of opening) | 0% intro APR for 12 months on transfers made within 120 days |
| Regular APR | 17.49% to 27.49% variable | 18.49% to 28.49% variable |
| Foreign transaction fee | 3% | 3% |
| Best for | Best flat-rate 2% cash back with a long balance-transfer offer | Best flat-rate 2% cash back card with no annual fee |
Choose the Citi Double Cash Card if
Best flat-rate 2% cash back with a long balance-transfer offer matches how you spend.
- Strong flat 2% return on all spending with no category tracking
- No annual fee
- Long 18-month 0% intro APR on balance transfers
Choose the Wells Fargo Active Cash Card if
Best flat-rate 2% cash back card with no annual fee matches how you spend.
- Unlimited flat 2% on every purchase with no categories to track
- No annual fee
- 0% intro APR on purchases and qualifying balance transfers
Frequently asked questions
Which has the lower annual fee, the Citi Double Cash Card or the Wells Fargo Active Cash Card?
Both cards carry the same annual fee of No annual fee.
Do either of these cards charge a foreign transaction fee?
Both cards charge a foreign transaction fee (3% on the Citi Double Cash Card and 3% on the Wells Fargo Active Cash Card), so neither is ideal for spending abroad.
Does either card offer a 0% intro APR?
Yes, both offer an intro APR. The Citi Double Cash Card: 0% intro APR for 18 months on balance transfers (complete within 4 months of opening). The Wells Fargo Active Cash Card: 0% intro APR for 12 months.
Rates and offers verified 2026-07. Terms change often, so confirm current details on each issuer's site before applying.