Card comparison · Citi vs Wells Fargo
Citi Double Cash vs Wells Fargo Active Cash
The Citi Double Cash ($0 annual fee) ranks #35 and the Wells Fargo Active Cash ($0) ranks #82 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Citi Double Cash | Wells Fargo Active Cash | |
|---|---|---|
| Issuer | Citi | Wells Fargo |
| Annual fee | $0 | $0 |
| Welcome offer | Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. | Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. |
| Rewards |
|
|
| Intro APR | balance transfers 18 months | purchases 12 months · balance transfers 12 months |
| Ongoing APR | 18.49%–28.74% | 18.74%, 24.74% or 28.74% |
| Balance transfer fee | 3% ($5 minimum) | Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5. |
| Foreign transaction fee | — | — |
| Our overall score | 62 (#35 of 294) | 57 (#82 of 294) |
| Cash back ranking | #9 of 70 | #15 of 70 |
| 0% intro APR ranking | not in this list | #36 of 46 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Citi Double Cash (62 vs 57). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Same annual fee: $0 on both.
- Cash back: Citi Double Cash ranks higher in our cash back ranking (#9 vs #15 of 70).
- 0% intro APR: only Wells Fargo Active Cash is in our 0% intro APR ranking (#36 of 46).
- 0% intro APR on purchases: Wells Fargo Active Cash (12 months; Citi Double Cash has none in our data).
- Balance transfers: Citi Double Cash has the longer intro period (18 months vs 12).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Citi Double Cash better than the Wells Fargo Active Cash?
By our overall score the Citi Double Cash ranks higher (62 vs 57), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Citi Double Cash or Wells Fargo Active Cash?
Both list $0.
What are the welcome offers on the Citi Double Cash and Wells Fargo Active Cash?
Citi Double Cash: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Wells Fargo Active Cash: Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Cash back: Citi Double Cash ranks higher in our cash back ranking (#9 vs #15 of 70). 0% intro APR: only Wells Fargo Active Cash is in our 0% intro APR ranking (#36 of 46).