Citi Double Cash vs Wells Fargo Active Cash
Citi Double Cash and Wells Fargo Active Cash are roughly even on year-1 math at 1.8¢/pt.
Quick verdict
Citi Double Cash and Wells Fargo Active Cash are roughly even on year-1 math at 1.8¢/pt
Citi Double Cash: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. Wells Fargo Active Cash: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Citi Double Cash | Wells Fargo Active Cash | |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | 20,000 pts after $1,500 in 6mo | 20,000 pts after $500 in 3mo |
| Welcome bonus value @ 1.8¢ | $360 | $360 |
| Free-night cert | — | — |
| Recurring credits / year | $0 | $0 |
| Year-1 net @ 1.8¢ | $360 | $360 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Citi Double Cash
0 recurring credits
No recurring credits listed in our catalog for this card.
Wells Fargo Active Cash
0 recurring credits
No recurring credits listed in our catalog for this card.
Pick Citi Double Cash if
you prefer the Citi ThankYou ecosystem (Citi ThankYou portal, Citi ThankYou transfer partners, Citi ThankYou elite status path).
Pick Wells Fargo Active Cash if
you prefer the Wells Fargo ecosystem (Wells Fargo portal, Wells Fargo transfer partners, Wells Fargo elite status path).