Home / Cards / Card comparisons / Citi Double Cash vs. Wells Fargo Active Cash

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• Citi · Mastercard · Personal

  Citi Double Cash® Card

  Flat-rate cash back

  About 2% cash back on purchases, typically split between when you buy and when you pay.

  Annual fee

  $0

  Credit typically targeted

  Good, Excellent

  Foreign transaction fee

  Yes

  Rewards

  Cash back

  Details for Citi Double Cash® Card View on issuer site for Citi Double Cash® Card (opens in a new tab)
• Wells Fargo · Visa · Personal

  Wells Fargo Active Cash® Card

  Flat-rate cash back

  Flat cash rewards of about 2% on purchases.

  Annual fee

  $0

  Credit typically targeted

  Good, Excellent

  Foreign transaction fee

  Yes

  Rewards

  Cash back

  Details for Wells Fargo Active Cash® Card View on issuer site for Wells Fargo Active Cash® Card (opens in a new tab)

Side by side

Comparison of Citi Double Cash Card and Wells Fargo Active Cash Card

	Citi Double Cash® Card	Wells Fargo Active Cash® Card
Issuer	Citi	Wells Fargo
Network	Mastercard	Visa
Card type	Flat-rate cash back	Flat-rate cash back
Card for	Personal	Personal
Annual fee band	$0	$0
Welcome offer	Check issuer	Check issuer
APR and any intro APR	Check issuer	Check issuer
Credit typically targeted	Good, Excellent	Good, Excellent
Rewards type	Cash back	Cash back
How it earns	About 2% cash back on purchases, typically split between when you buy and when you pay.	Flat cash rewards of about 2% on purchases.
Foreign transaction fee	Yes	Yes
Bonus category caps	No	No
Features	Flat rate	Flat rate
Pros	Simple flat earn on nearly everything No annual fee No categories to track or activate	Flat earn with nothing to track No annual fee Rewards are straightforward cash
Cons	Foreign transaction fee No bonus categories for heavy grocery or dining spenders	Foreign transaction fee No elevated categories
Watch out for	Foreign transaction fee is common, so it is a weak choice abroad. Not a travel-transfer card on its own.	Foreign transaction fee is common. Any balance transfer or intro terms change often. Check the issuer.
Last reviewed	October 2, 2026	October 2, 2026
Links	Details View on issuer site	Details View on issuer site

Who should pick which

By the Credit Cards for Rewards editorial team · How we evaluate cards

Near twins: both have no annual fee, both pay about 2% as our data describes it, and both charge a foreign transaction fee. The differences are small. Double Cash typically splits its earn between when you buy and when you pay, and it runs on Mastercard rather than Visa.

Pick the Citi Double Cash if…

• You like earning part of the reward when you pay the bill.
• You prefer a Mastercard.
• You'd rather deal with Citi.

Pick the Wells Fargo Active Cash if…

• You'd rather not think about split timing at all.
• You prefer a Visa.
• You'd rather deal with Wells Fargo. Intro or balance transfer terms: check the issuer.

Bottom line

Either is a reasonable everyday flat-rate card, so issuer preference and the current offers can settle it. Leave both at home when you travel abroad.

More comparisons

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• Wells Fargo Active Cash® Card vs. Wells Fargo Autograph® Card

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