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 offers a flat 2% cash rewards on purchases — one of the highest flat rewards rates available. Capital One Quicksilver; Chase Freedom Unlimited vs. 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. Wells Fargo Active Cash® Card. 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. Wells Fargo Active Cash® Card The Costco Citi Card earns 2% cash back at Costco, but only a paltry 1% cash back on non-category purchases. An introductory APR of 0% for 15 months from account opening on purchases ( 20. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. I have the active cash and the PPMC, and will be PCing the WFAC to the Autograph as I am 4/24. Citi Double Cash Card vs. So great if you want to float several thousand for 15 months putting it in money market instead earning a sweet 4. The Citi Rewards+ is a great complement to the Double Cash and/or the Custom Cash. Typically, when you make purchases on a credit card, you are given a grace period of around 30 days before you owe any interest. This likely doesn't. Each eligible transaction will earn 2% cash back on all eligible purchases. 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. 24% - 29. Best. Just spend $4,500 in the first 90 days of account opening. The Active Cash earns 2% cash. S. With the Double Cash Card, however, you earn. 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. So I'm looking at cards that always provide at least 2% cashback regardless of category. 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. And you'll generally outearn the Apple Card when it comes to most mobile wallet purchases. 5% cash back for everyone else. Also no FTF, which is great for the occasional overseas trip. I miss out on on the $300 intro bonus but will be going for the CSR this summer to complete the Chase Trifecta. Wells Fargo Active Cash® Card. Wells Fargo Active Cash® Card. 00 with Wells Fargo Active Cash Card. 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. APR. Cash Wise Visa has 1. The Wells Fargo Platinum Card had a 0% intro APR offer that differed from the one currently available with the Active Cash Card. Wells Fargo. Lastly, the Chase Freedom Unlimited offers 5% cash back on gas station purchases, up to $6,000 in. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. You also don’t have to jump through any hoops to get the full. This bonus offer will be fulfilled as 20,000. Alliant Visa® Platinum * vs. One of the best cards for online shopping is the Citi Double Cash ® Card where you can earn 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. Benefits and Drawbacks. The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. Earning rates. $0 . Application Link. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. The Citi Double Cash Card provides cardholders with 2% cash back for their purchases, one of the best flat rates available. Citi Double Cash® Card. A cash-back credit card is a rewards card that offers you cash back on your purchases. Also Wells Fargo has a $300 checking account bonus right now. Like the Active Cash, the Citi Double Cash offers a flexible rewards program. Alternative Wells Fargo Cash Back Credit Card. While Citi has an APR range, Wells Fargo has three possible rates, depending on your credit. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to 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. 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. The Hawaiian Airlines World Elite Mastercard earns 3 HawaiianMiles on eligible purchases with Hawaiian Airlines. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. This effectively turns the Double Cash into a 2. The Wells Fargo Active Cash is probably the most comparable card to the Citi Double Cash, yet. Pros 2% cash back on. Bank of America Unlimited Cash Card vs. 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. Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. The Active Cash even features an introductory 0% APR for purchases and qualifying balance transfers for 15 months from account opening (then 20. You must select Apply Now on this page to take advantage of this specific offer. The Wells Fargo Active Cash® Card carries no annual fee and earns an easy-to-track 2% cash rewards on purchases. American Express Blue Cash Preferred Card basics. Meanwhile, the Citi Double. 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. This card doesn’t have any bonus categories as tiered rewards cards do. no direct deposit into any non-Wells Fargo bank. 6 min read Sep 08, 2023. Wells Fargo Active Cash® Card vs. Platinum X5 Card from Credit One basics. Best for Cash. Also, if I recall correctly, another bonus of the Wells Fargo Active Cash card over the Citi Double Cash card, is that new accounts get 15 months 0% APR on purchases, and the Citi card does not. Anything over the monthly $2,000, you’ll start to earn more with the Citi Double Cash — that makes the flat-rate cash back card a better choice for big spenders. Bank of America loyalists. 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. Citi Double Cash: 2% everything. 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 Wells Fargo Active Cash® Card. Active Cash. A cash advance, in particular, is an expensive way to borrow money. They usually give me less than half of the limits I get from Citi. I just called them yesterday to ask if the Autograph has the same $25 increment rule, and it does. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. The major difference between the Citi Double Cash vs. but I prefer my Citi double cash card, which is 2% as well. Citi® Double Cash Card vs. There’s a welcome bonus of $100 statement credit after spending $1,000 on purchases in the first. I complained and escalated and eventually cancelled. The Citi Double Cash and Wells. 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. While many credit cards offer flat-rate cash back, the Citi Double Cash is one of the few other cards that offers an effective 2% cash back on. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. Take a look at this table to quickly compare the primary benefits of both cards. I have a few other cash back cards, my main one is Citi® Double Cash Credit Card. One big reason why the Citi Double Cash Card wins this matchup is that it offers a very generous ongoing rewards rate: 2% cash. 24%, 25. Chase Sapphire Preferred Wells Fargo Active Cash. However, your earning potential can be higher if you’re spending habits don’t align with the bonus tiers. Wells Fargo Active Cash Card vs. Autograph + Active Cash + Grocery card would be really easy and simple cash-back set-up for most people. Sep 19, 20239. The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on all purchases and a generous sign-up bonus with no annual fee. Regular APR is high: The main draw for this card is the introductory APR to help you pay down debt. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. 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). 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). 8 cents each, they can be worth much more when transferred to travel partners. 24%, 25. That describes the Citi Double Cash® Card. Wells Fargo Active Cash® Card (see rates. 1. 3. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Main content; Search; Account The Citi Double Cash Card charges several common fees you should know about, including: Annual fee: $0. 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. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. So if you open the Citi Double Cash® Card, you receive no interest for the first 18 months on balance transfers (then 19. $0. 3. Other cash back cards earn more back. Blue Cash Everyday ® Card from American ExpressTD Double Up Credit Card vs. S. 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. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. It also offers a. Wells Fargo Active Cash® Card: Best cash-back card. 1. 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). Then select Request Balance Transfer under Account Management to view available offers. Citi Custom Cash® Card. 6 min read Sep 08, 2023. 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. Save your windfalls. When the Fidelity card dropped that benefit it's what made me start looking for another card. 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. Citi® Double Cash Card. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. So for example if you have $45 accrued, you can only redeem $25 and will have $20 left. Lyft Pink All Access benefits include 10% off Lux rides, free priority pickup upgrades, cancellation. 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. 8 Update: Besides the $200 offer online, there’s now a $250 offer in local branches. 3. For most purchases you’ll earn 2% cash back – 1% when you make the purchase, and the other 1% once it’s paid off. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. S. Annual fee. 24% - 29. In order to get the $200 sub in 2% cash back you’ll need to spend $10000 with your DC. Double Cash all day, especially if you have "ecosystems" in mind. Regardless if you are successful or not, then apply for the Wells Fargo Active Cash Visa. Up to 2% cash back. As you get the entire 2% back two days after the statement cycle closes. If you typically receive an annual. Simply pick up the phone to call Visa Signature Concierge. Base rewards rate: 2% cash rewards on purchases. Rates & Fees. For example, the Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and the Citi® Double Cash Card. Wells Fargo Active Cash ® Credit Card. Chase Freedom Unlimited®: Best for Bonus. ProsDoorDash Rewards Mastercard® vs. Earn $200 cash back. The Citi Double Cash® Card also earns an unlimited 2% cash back—but with 1% earned when a purchase is made and the other 1%. . 6 min read Sep 08. Was with you up until the cancellation part. 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. Don't Which To Choose. Wells Fargo Active Cash® Card 3. car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. 24 percent to 26. Wells Fargo Active Cash ® Card vs. Chase Freedom Unlimited®: Best no-annual-fee card. 19. Wells Fargo Active Cash $200 offer; Wells Fargo Active Cash $250 offer: in branch;Wells Fargo Active Cash® Card. Our Methodology Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. The Wells Fargo Reflect does not offer any cash rewards, so when you make $1,000 in purchases on your card, you won’t earn anything on those purchases. After that, the standard variable APR will be 19. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. Citi® Double Cash Card vs. Citi® Double Cash Card : Best for earning 2% cash back with a long intro APR. Citi Double Cash® Card. supermarkets, U. . 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. Best Cash Back Credit Cards of November 2023. (on up to $6,000 in each category per year. When your balance is negative on a credit card, it means you’ve paid more than you currently owe. Citi® Double Cash Card. Wells Fargo Secured. For example, Chase Freedom Unlimited® can give better overall value due to its bonus categories, offering 1. The Citi Double Cash is a popular cashback credit card because of its excellent earning potential. Balances under $25,000 will earn 0. That's not exactly what I said. Best for Choice of Bonus Categories: U. hotels, Airbnb, Uber/Lyft, taxi), and streaming, and Wells Fargo active cash for 2% on everything else, like Costco. Articles; Reviews; Compare; Surveys;. As a one card setup, I would go with Active Cash because of the $200 bonus and cell phone insurance. The Wells Fargo Active Cash® Card for introductory perks and 2% on. Citi Double Cash has a $25 minimum amount redemption. The Active Cash is probably better on its own overall, especially due to the SUB. So I signed up for Wells Fargo checking account so I could deposit my active cash cash back into the checking account. 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. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Discover It Cash Back v. The $0-annual-fee card offers the following: Rewards: Unlimited 2% cash back on. However, if you're looking to keep building your retirement, redemption on the Fidelity Card could be an easy way to keep. Can also get redeem rewards for cash in $20 increments at a Wells Fargo ATM. 5% all purchass. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the. The Active Cash earns 2% cash. » 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. 24% to 28. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. Wells Fargo Active Cash® Card The Costco Citi Card earns 2% cash back at Costco, but only a paltry 1% cash back on non-category purchases. Wait a few months and see if you can convert the Citi Double Cash to the other new card announced this week, the Citi Custom Cash MasterCard. The Wells Fargo Active Cash Card earns 2% cash rewards on purchases and charges no annual fee. Cash-back rewards. 24%. You must select Apply Now on this page to take advantage of this specific offer. - Working and useable interface and app. The Wells Fargo Active Cash® Card offers an unlimited 2% cash back on all purchases and has an annual fee of $0. Wells Fargo Active Cash vs. Citi Double Cash® Card . Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Citi Diamond Preferred highlights. Citi Custom Cash vs Double Cash - One card only, which to choose?. Bank of America Unlimited Cash Rewards vs. Wells Fargo Active Cash® Card (rates and fees). 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. Welcome bonus: You can earn a $200 cash rewards bonus with the Wells Fargo Active Cash® Card when you spend $500 on the card in the first three months. But Citi Double Cash gives 1% cash back on all purchases, plus another 1% back when cardholders pay their Double Cash bill each month. The Wells Fargo Active Cash® Card comes with a good array of benefits, which include cell phone protection, roadside dispatch, travel emergency assistance,. Use our table to compare your Wells Fargo credit card options and get a sense of which one is best for you. With the Citi Double Cash® Card you can. 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. com A comparison of two no-annual-fee cards that offer 2 percent cash rewards on purchases. 00 with Wells Fargo Active Cash Card. And Wells Fargo no longer has a minimum rewards redemption requirement. Who the Wells Fargo Active Cash Card is Best For. Navy Federal Credit Union Visa Signature® Flagship Rewards Card * vs. The 6% cash back on U. Citibank offers a bigger cash bonus opportunity — up to $2,000. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. Credit CardsThe Blue Cash Everyday® Card from American Express is the winner over The Amex EveryDay® Credit Card from American Express. Citi Double Cash® Card. 01 in any bank, or you can transfer points to a few airlines / hotels. 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. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. You simply swipe your card and let the cash back rewards pile up. Take a look at this table to quickly compare the primary benefits of. Overview of the best 2% cash Back credit cards. While both are popular cash back credit cards, the Citi Double Cash Card offers better rewards value overall and an opportunity to save money on balance transfers. Wells Fargo Active Cash® Card. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through. 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 Double Cash card usually offers a small welcome bonus. 24% variable APR;. Two accounts, 3 cards, and 3% on basically everything and 2% on the miscellaneous other uncategorized transactions. I’m looking at getting 1 of these 2 options, mainly to pay wedding vendors. S. The card also comes with cellphone protection of up to $600 of cell phone. Fidelity® Rewards Visa Signature® Card: Best. It provides a simple model—earn 2% cash back on. The Active Cash Card offers 0% intro. Now Citi just made it official with the double cash and made it just like the custom cash. Wells Fargo Cash Wise Visa – The two cards tie. Most that point to the DC will do so siting that Citi is a superior bank to WF given that the cards are very similar. Wells Fargo Active Cash vs. Other options include the ability to redeem for cash at a Wells Fargo ATM (in $20 increments) or for gift cards (in $25 increme nts). The Fidelity Card requires a Fidelity account to deposit the money into. In this video, we're comparing the Wells Fargo Active Cash vs Citi Double Cash Credit Cards. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. Fidelity Rewards or Citi Double Cash card, is the WF card has auto rental collision damage waiver coverage. To learn more, please visit Wells Fargo Balance Transfers. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Since its release, the Wells Fargo Active Cash® Card has quickly become a standout in the flat-rate category due to its unlimited. Blue Cash Everyday ® Card from American Express TD Double Up Credit Card vs. would all get 2% instead of 1%. You'll find great stories as well as horror. Capital One Quicksilver Cash Rewards. See the pros and cons of each card and how to choose. Cash back rate. Bank Cash+® Visa Signature® Card. The card offers an 0% introductory annual percentage rate on purchases and qualifying balance transfers made within the first 120 days for 21 months from account opening (then a variable APR of 18. 7 minute read. 1% back on all purchases and 1%. There are no category restrictions and cash rewards don’t expire as long as your account remains open. 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. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. 50 spent through Apple Pay would translate to $361. There are better 2% alternative like the WF active cash with a nice sub. 24%, 24. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. 2% unlimited cash rewards on purchases; $200 cash rewards bonus when you spend $1,000 in the first 3 months. According to a LendingTree study, the average credit card sign-up bonus in 2022 was $157 — making this a competitive bonus. Best for 2% Cash Back: Wells Fargo Active Cash® Card. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. When it comes to ongoing rewards, Wells Fargo Active Cash offers a higher base earning rate on purchases. Wells Fargo Active Cash and Wells Fargo Autograph. Citi Double Cash® Card. In this Citi Double Cash Card. 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. 1. One area where it stands ahead of the Wells Fargo Active Cash. Once the introductory period is over, the regular APR ranges from 19. Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. The new welcome offer brings it in line with other cash-back credit cards on the market. It's also best if you need to pay off a high interest credit card. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Historical Offers Chart. Chase Freedom Unlimited. Capital One Spark Cash Plus. At. 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. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. Most 2% cards don't have a SUB, while most 1. 24% (Variable) APR applies. Based on identical spending inputs, you’ll earn $201. Wells Fargo Active Cash® Card vs. However, the most significant difference is in the card APRs. The card. Citi Double Cash® Card. Citi Simplicity cons. 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. Pros: - 2% back on all purchases everywhere MasterCard is accepted. 10% APY, while those with a. JS by Jason Steele. 5% cash-back cards because it doesn't require you to activate bonus. You get 1% cash back when the purchase is made, and the. Earn 1% to 3% cash back on purchases. Learn more: Citi® Double Cash Card. Easy-to-earn sign-up bonus. A comparison of two cash-back credit cards with an annual fee of $0 and unlimited 2% cash back. 01 in any bank, or you can transfer points to a few airlines / hotels. I have had no major issues with using WF cards. 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. And Wells Fargo no longer has a minimum rewards redemption requirement. I wouldn't want a Wells Fargo account and I think Citi has the most stable product currently. Credit Cards. The card gives 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months. Bank of America Unlimited Cash Rewards vs. You’ll get the full bonus sooner from Wells Fargo Active Cash, while the Chase Freedom Unlimited card’s bonus is slightly more valuable. 8 cents each, they can be worth much more when transferred to travel partners. Uber/Lyft, transit, and streaming. 24%, or 29. 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. Wells Fargo Active Cash®. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. 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. DoorDash Rewards Mastercard® vs. After that, the standard variable. Citi Double Cash; Chase Freedom Unlimited vs. Specifically, this card offers a 0% intro APR for 15 months on purchases and on eligible balance transfers, then a variable APR of 17. Are you OK with category spending or do you want a general spending card? General spending card. 24%. Wells Fargo Active Cash (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. Because the Citi Double Cash and Wells Fargo Active Cash cards both earn 2 percent cash rewards on purchases, your earnings potential is the same with both cards. 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. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). 24 percent. 74%,.