Wells Fargo Active Cash (7.9/10) wins for most people. Discover it Cash Back wins for a specific profile.
First credit card / building credit. Best first card. Year-one Cashback Match doubles every dollar earned.
Apply now →2% flat rate with a welcome bonus. Closest Citi Double Cash competitor. $200 bonus + cell phone protection.
Apply now →| Discover it Cash Back | Wells Fargo Active Cash | |
|---|---|---|
| Claire's score | 7.6/10 | 7.9/10 |
| Price | — | — |
| Top strength | Year-one Cashback Match effectively doubles all earnings | Flat 2% on everything, no categories |
| Biggest drawback | Rotating 5% categories require quarterly activation | Slightly behind Citi Double Cash in long-term simplicity |
Wells Fargo Active Cash is Claire's recommendation for most people reading this comparison. Score: 7.9/10. Closest Citi Double Cash competitor. $200 bonus + cell phone protection.
Discover it Cash Back (7.6/10) is the right choice for a specific situation: first credit card / building credit. If that describes you, the full review has the complete math.
Two Card Tuesday runs the real numbers on one card matchup a week. Free, unsubscribe anytime.