Citi Double Cash Card vs. Wells Fargo Active Cash Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Citi Double Cash Card
Citi
Wells Fargo Active Cash Card
Wells Fargo
Citi Double Cash Card and Wells Fargo Active Cash Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Citi Double Cash Card wins on earning ceiling; Wells Fargo Active Cash Card wins on travel insurance.
Who wins what
1 vs 1 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Citi Double Cash Card
Citi Double Cash Card earns more on its best category (5× vs 0×).
- Travel insurance Wells Fargo Active Cash Card
Wells Fargo Active Cash Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $200
- First-year net
- +$200
- +$200
- Peak earning rate
- 5×
- —
- Top categories
- Travel Portal
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Citi ThankYou Points
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.