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Citi Double Cash vs Wells Fargo Active Cash

Claire's comparison · last verified June 2026
Claire's quick verdict

Citi Double Cash (8.1/10) wins for most people. Wells Fargo Active Cash wins for a specific profile.

Winner
Citi Double Cash
8.1/10
Fee: $0
2% on everything
Full review →
Runner-up
Wells Fargo Active Cash
7.9/10
Fee: $0
2% flat
Full review →
Who should choose Citi Double Cash

No-fee flat-rate cashback. The math floor. 2% everywhere, no fee, no categories to track.

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Who should choose Wells Fargo Active Cash

2% flat rate with a welcome bonus. Closest Citi Double Cash competitor. $200 bonus + cell phone protection.

Apply now →

Head to head, by the numbers

Citi Double Cash Wells Fargo Active Cash
Claire's score8.1/107.9/10
Price——
Top strength2% on everything (no categories)Flat 2% on everything, no categories
Biggest drawbackNo bonus categoriesSlightly behind Citi Double Cash in long-term simplicity
The case for Citi Double Cash Card
•2% on everything (no categories)
•No annual fee
•No foreign transaction fee
•Balance transfer option (0% intro periods available)
The case for Wells Fargo Active Cash
•Flat 2% on everything, no categories
•$200 welcome bonus after $500 spend
•Cell phone protection up to $600
•No annual fee
Bottom line

Citi Double Cash is Claire's recommendation for most people reading this comparison. Score: 8.1/10. The math floor. 2% everywhere, no fee, no categories to track.

Wells Fargo Active Cash (7.9/10) is the right choice for a specific situation: 2% flat rate with a welcome bonus. If that describes you, the full review has the complete math.

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