The card offers an 0% introductory annual percentage rate on purchases and qualifying balance transfers made within the first 120 days for 21 months from account opening (then a variable APR of 18. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. The $25 redemption limit doesn't bother me because I don't do anything with that little bit of cash back anyway. Citi® Double Cash Card : Best 2% cash back card for balance transfers. Just PC'd the wells fargo 1% cash card (got it in college) to active cash, and now changing double cash to custom cash. 3. Citi double cash declined me several times in 6 months, a couple times at a restaurant right by my house. The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new card. The Citi Double Cash® Card outshines its competitor with a more substantial ongoing rewards rate on all purchases and a. partial_to_fractions. I wouldn't want a Wells Fargo account and I think Citi has the most stable product currently. 24%, 25. $0. ”. AC has an interest-free promo period on purchases and BTs, where DC’s promo is only for BTs. You must select Apply Now on this page to take advantage of this specific offer. Its limited-time offering of 10% cash back for Uber and Uber Eats. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. Also Wells Fargo has a $300 checking account bonus right now. Then select Request Balance Transfer under Account Management to view available offers. This bonus offer will be fulfilled as 20,000. Earn 1% to 3% cash back on purchases. One area where it stands ahead of the Wells Fargo Active Cash. The Active Cash earns 2% cash. 24% (Variable) APR applies. Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. 24% or 29. With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. The Wells Fargo Active Cash looks like it might be the best, especially with its $200 signup bonus, but redeeming in $25 increments is kind of a deal breaker for me. The Wells Fargo Active Cash® Card offers 2%. So if you open the Citi Double Cash® Card, you receive no interest for the first 18 months on balance transfers (then 19. 5 - 5% cash back on purchases. Specifically, this card offers a 0% intro APR for 15 months on purchases and on eligible balance transfers, then a variable APR of 17. no direct deposit into any non-Wells Fargo bank. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. It offers a whopping 2%. 99%. Fidelity Rewards or Citi Double Cash card, is the WF card has auto rental collision damage waiver coverage. CDC which cashback is better2:24 - Annual Fee and Foreig. Citi Double Cash Card. 3 important differences between Wells Fargo Autograph vs. Wells Fargo Active Cash is a great credit card to compare because it has a $0 annual fee and rewards cardholders with 2% cash rewards on all purchases. The Citi Custom Cash® Card (Citi is a Forbes Advisor partner) is big-idea plastic that works well as a companion card. 5%. Wells Fargo Active Cash® Card: Best for earning 2% cash rewards on purchases (including Amazon) Citi® Double Cash Card : Best for 2% cash back everywhere with a long intro 0% APR on balance. As I noted above, the only real negative IMO is the 3% foreign transaction fee. But if you spend $10000 with this new card, you’ll get $400. •. Wells Fargo Active Cash® Card. 00 with Wells Fargo Active Cash Card. For context, the average annual rewards payout from the cashback credit cards in the investor. 22%. Rewards: 5% cash back on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone. Cardholders can now earn $200 cash back after you spend $1,500 on. 24% - 29. So in terms of a SUB, the Active Cash has a better SUB, both in dollar amount and required spend. The Citi Double Cash Card charges several common fees you should know about, including: Annual fee: $0. However, your earning potential can be higher if you’re spending habits don’t align with the bonus tiers. 24%, or 29. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. 2% total cash-back. The Citi Double Cash Card offers a simple rewards system. Intro APR on balance transfers: The Reflect Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18. As for the Citi Custom Cash, it is plainly obvious why it is so popular and has overtaken the Double Cash. I have a few other cash back cards, my main one is Citi® Double Cash Credit Card. 24%, or 29. Bank Visa® Platinum Card *. The Citi Double Cash Card earns a net 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. Capital One Quicksilver; Chase Freedom Unlimited vs. The Wells Fargo Active Cash card also comes with a 0% intro APR for the first 15 months on purchases and qualifying balance transfers, then a 20. After that, the standard variable APR will be 19. 7 minute read. Those who prefer to take rewards as cash back deposited into a checking account might do better with the Citi Double Cash® Card or the Wells Fargo Active Cash® Card. If you're looking to make a large purchase. Best for Automatic 5%. Most that point to the DC will do so siting that Citi is a superior bank to WF given that the cards are very similar. Automatic cellphone protection when you pay your monthly bill with the card. That's not exactly what I said. Rewards Rate. Citi Double Cash Card vs. Also, if I recall correctly, another bonus of the Wells Fargo Active Cash card over the Citi Double Cash card, is that new accounts get 15 months 0% APR on purchases, and the Citi card does not. Welcome offer: Earn $200 cash rewards bonus after you spend $500 in first three months. Use our table to compare your Wells Fargo credit card options and get a sense of which one is best for you. . You must select Apply Now on this page to take advantage of this specific offer. Citi Double Cash Card. 24%, 25. It offers 1. In this article, we’ll compare two of the most popular 2% back cards right now: the Wells Fargo. Wells Fargo Active Cash ® Credit Card. And there is no cap on how much cash. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. Wells Fargo Active Cash vs. Wells Fargo Active Cash℠ Credit Card. If you plan to get the Citi trifecta get Double Cash because it earns ThankYou puts that you can use for travel and potentially get more than 2%. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. There doesn’t seem to be a specific minimum to redeem rewards for purchases or to buy with points. TD Double Up rewards. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. This likely doesn't. Citi Double Cash. Wells Fargo Active Cash vs. Finally, if you'd rather just earn a high rewards rate on everything, the Citi Double Cash® Card (see rates and fees) might be the ticket. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). Citi Double Cash Card vs Citi Custom Cash Card. Wells Fargo Active Cash ® Card vs. » MORE: Credit cards that earn 2% cash back or more on purchasesA prime choice would be the 2 percent cash rewards rate from the Wells Fargo Active Cash card or the similar Citi Double Cash® Card since it earns up to an unlimited 2 percent cash back (1. effectively earns 2% cash back everywhere (1 point per dollar when you buy, and. We'll compare the introductory bonuses, how cashback is earned,. It provides a simple model—earn 2% cash back on. Note, the Citi Custom Cash technically earns basic ThankYou points, so your welcome bonus will be rewarded in the form of points (redeemable for $200 in cash. Other cash back cards earn more back. Wells Fargo Active Cash® Card. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). The CFU has even more potential because it can be combined with the Chase Sapphire Preferred or Reserve. 5% cash-back cards because it doesn't require you to activate bonus. . Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. The Citi Rewards+ is a great complement to the Double Cash and/or the Custom Cash. Wells Fargo is stingy on credit limits. Generally, Wells Fargo has higher rates, so in combination with the shorter 0% rate period, Citi is more attractive. You’ll earn 5%. Downside is that redemptions can only be made in $25 increments, where earned Citi DC rewards can be redeemed in any amount. Like the Citi Double Cash Back Card, the Wells Fargo Active Cash Card lets you earn a flat 2% cash back rate on all purchases, and it doesn’t have an annual fee. Citibank offers a bigger cash bonus opportunity — up to $2,000. Meanwhile, the Citi Double. Pros Generous 18-month 0% introductory APR on balance transfers Flat cash-back rate No annual fee Cons Charges foreign transaction fees No added. The Citi Double Cash is a popular cashback credit card because of its excellent earning potential. That being said, I don’t use this setup. Citi Double Cash Card vs. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. Earn 30,000 bonus points when you spend $1,500 in purchases in the first three months (a $300 cash redemption value) Earn unlimited 3X points per dollar at restaurants and gas stations and when spending on travel, transit, popular streaming service, and phone plans. Lastly, the Chase Freedom Unlimited offers 5% cash back on gas station purchases, up to $6,000 in. Not a banking app, just through PayPal (which most people already have). S. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Credit cards that are better than the Citi Double Cash Card may include Chase Freedom Unlimited® and Wells Fargo Active Cash, depending on your exact spending habits and preferences. Citi Double Cash® Card. The no-annual-fee Wells Fargo Active Cash offers up to $600 of cellphone protection against damage or theft when you pay your monthly cell phone bill with your card (subject to a $25 deductible. 73. Bank Cash+® Visa Signature® Card. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. Costco Anywhere Visa Card vs. $0. $0 annual fee. If you’re looking for a good cash-back rewards card, the Wells Fargo Active Cash® Card is a solid choice. With the Citi Double Cash® Card you can. 84 that could reasonably be charged to a credit card would earn $168. 5% cash-back. Wells Fargo Active Cash vs. Citi Double Cash® Card vs Wells Fargo Active Cash® Card. And Wells Fargo no longer has a minimum rewards redemption requirement. 99% variable APR applies. The Wells Fargo Active Cash® Card comes with a good array of benefits, which include cell phone protection, roadside dispatch, travel emergency assistance,. No annual fee: Capital One Quicksilver vs. Citi Custom Cash Card vs Wells Fargo Active Cash Card 2023 Written by investor. With the Citi Double Cash Card, you’ll earn 1% cash back when you make a purchase and an additional 1% when you pay off your balance. Simply pick up the phone to call Visa Signature Concierge. Regardless if you are successful or not, then apply for the Wells Fargo Active Cash Visa. 2 days ago · Here are a few examples of credit cards offering cash back rewards: Card name. In contrast, the BofA is also limited to $2500 per quarter in bonus category spend. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). )Time Codes:0:00 - Intro0:54 - Who benefits from these cards?1:30 - How the 2% is earned1:52 - WF vs. Credit CardsThe Blue Cash Everyday® Card from American Express is the winner over The Amex EveryDay® Credit Card from American Express. 5% cash back, a $150 bonus and 0% for 15 months on purchases and transfers. Costco Anywhere Visa Card vs. Once the introductory period is over, the regular APR ranges from 19. Certainly any big regulatory changes, particularly on interchange fees, could make any 2% card non-viable, but personally if I were looking for a new 2% card the Double Cash would probably beat out the Evergreen and the Active Cash. com database is $181. The Citi Double Cash Card is the winner over Discover it® Cash Back. Wells Fargo Active Cash vs. I would personally make sure I'm well above that before committing to an annual fee card. This 2% card has a $200 SUB. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. 78% APR. Citi Double Cash® Card (see rates and fees) 2 ThankYou points on all purchases — 1 point when you purchase and another 1 point when you pay your bill. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. So I signed up for Wells Fargo checking account so I could deposit my active cash cash back into the checking account. 24% to 28. In this Citi Double Cash Card. If you pool the Rewards+ with the other two card(s), then you get a 10% rebate on the Thank You Points you redeem from Double Cash and Custom Cash (up to 100,000 TYP per year). . Based on identical spending inputs, you’ll earn $201. Citi Double Cash vs. I have had no major issues with using WF cards. The difference between Blue Cash Everyday. The card gives 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months. The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. Most 2% cards don't have a SUB, while most 1. Bank of America loyalists. 5% cash back for everyone else. Wells Fargo Active Cash® Card. The Wells Fargo Reflect does not offer any cash rewards, so when you make $1,000 in purchases on your card, you won’t earn anything on those purchases. 24%. Using this card. Unlimited 2% cash back (you earn 1% when you make a purchase and 1% when you pay it off on time) Welcome offer of 20,000 ThankYou® Points, redeemable for $200 cash back, when you spend $1,500 on. Application Link. Since its release, the Wells Fargo Active Cash® Card has quickly become a standout in the flat-rate category due to its unlimited. Based on identical spending inputs, you’ll earn $240. The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. It also delivers 2% cash rewards on purchases. (Though paying statement balances in full. Its rewards rate of 2% cash rewards on purchases is ideal for someone whose spending. THE POINTS GUY. Citi Double Cash® Card. People may hate Wells Fargo. An introductory APR of 0% for 15 months from account opening on purchases ( 20. Earning rates. •. 3% back on. Wells Fargo Active Cash ® Credit Card. It has a $200 welcome bonus, cell phone insurance, and it works with digital wallets. These are solid benefits for a card with no annual fee. but I prefer my Citi double cash card, which is 2% as well. 00 cash back per year with Citi Double Cash Card and $240. That can make a big difference if you ever find yourself outside the U. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. 5% cash rewards on purchases. Chase Sapphire Preferred Wells Fargo Active Cash. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Best Overall Balance Transfer Credit Card: U. hotels, Airbnb, Uber/Lyft, taxi), and streaming, and Wells Fargo active cash for 2% on everything else, like Costco. The Wells Fargo Active Cash Card earns 2% cash rewards on purchases and charges no annual. Given that several banks offer credit cards earning 2% on all. Really covers almost everything, and then Wells Fargo active cash for 2% back on everything else, and the rewards pool with the autograph. If you typically receive an annual. Take a look at this table to quickly compare the primary benefits of. Credit Cards. Credit Cards. Wells Fargo is stingy on credit limits. A balance transfer fee of up to 5% of the each. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. The card offers 2% cash back on everything – 1% back when. The value of a 1. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. One big reason why the Citi Double Cash Card wins this matchup is that it offers a very generous ongoing rewards rate: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash. deVrinj • 21 days ago. Annual fee: $0. Double Cash all day, especially if you have "ecosystems" in mind. As a Citi customer, as with most other card companies, you can get help with your card or account 24 hours. This is my default cashback combo that I would honestly be happy with using. If you're looking for a major bank that's free of scandals, it doesn't exist. Double Cash might be better for a traveler because of the transfer partners it has and the potential to combine points with Citi Premier. While both are popular cash back credit cards, the Citi Double Cash Card offers better rewards value overall and an opportunity to save money on balance transfers. Citi Double Cash® Card . The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. Recommended Credit Score. A Penny Pinchers Guide to Personal Fi…Here you will find the Wells Fargo Active Cash vs Citi® Double Cash Card comparison where we will evaluate the features, fees, rewards and other benefits of both the cards and compare both of them. After that, the standard variable. Bank of America Unlimited Cash Rewards vs. Pros: - 2% back on all purchases everywhere MasterCard is accepted. Aside from the credit card partnership, they actually do own a portion of the company. For a $0 annual fee, the card earns 2% cash. Citi® Double Cash Card: Best for pairing. Save your windfalls. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Chase Freedom Unlimited®: Best no-annual-fee card. The Wells Fargo Active Cash® Card offers a similar benefits spread of all no-annual-fee cards, but it beats the Capital One Quicksilver Cash Rewards for cash rewards. The Wells Fargo deals pay out quick. Also, cash back rewards do not expire as long as your account stays open. (on up to $6,000 in each category per year. Synchrony Premier World Mastercard® * vs. Both offer unlimited 2% cash back/cash rewards on purchases (although with the Double Cash, you need to pay off your purchases first to get the full 2%), while the Citi Rewards+ only earns 2% back in two categories with a $6,000 annual. the Wells Fargo Active cash is the introductory APR offers. I opened the Citi Double Cash a month later, which is my new 2% flat card. Now Citi just made it official with the double cash and made it just like the custom cash. Current credit cards you are the primary account holder of: Wells Fargo Active Cash $5500 limit, 2/2022 FICO Scores with source (see note on FICO score sources below): Wells Fargo 779 Oldest credit card account age with you as primary name on the account: 5 years Number of personal credit cards approved for in the past 6 months: 1Amex Blue Cash Everyday. Citi Double Cash vs Wells Fargo Active Cash. Chase Freedom Unlimited spending example. - Plenty of. Cash-back rewards. The card earns a flat 1. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. Best for Automatic 5% Cash Back: Citi Custom Cash® Card. Like the Active Cash, the Citi Double Cash offers a flexible rewards program. Wells Fargo Reflect® Card. Best for easy sign-up bonus. JS by Jason Steele Edited by Ryan M Tronier July 31, 2023. Wells Fargo Active Cash vs. You simply swipe your card and let the cash back rewards pile up. Fidelity® Rewards Visa Signature® Card: Best. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Bank of America Unlimited Cash Rewards vs. With Citi Double Cash you get 1% back at the end of the statement cycle of the charge and 1% back at the end of the statement cycle of the payment. To earn cash back, pay at least the minimum due on time. The Wells Fargo Active Cash® Card offers an unlimited 2% cash rewards on purchases and a welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Wells Fargo Active Cash® Card The Costco Citi Card earns 2% cash back at Costco, but only a paltry 1% cash back on non-category purchases. The Citi Double Cash Card gives 2% cash back on every purchase (1% when you buy and 1%. A number of other flat-rate cash-back cards earn 1. You must select Apply Now on this page to take advantage of this specific offer. For a limited time, earn 5% total cash. 0% intro for the first 15 months (then 20. The only caveat is that there's a $2,500 combined spending limit on the 3% and 2% categories each quarter, after which you'll earn just 1% back. Welcome Bonus. Bonus Card Option: Wells Fargo Active Cash Card. After that, the standard variable. The Citi Double Cash® Card has an annual fee of $0 and earns 2% cash back on all purchases—1%. Articles; Reviews; Compare; Surveys;. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). 24% to 29. Currently, the Citi Double Cash doesn’t. 5% cash back for everyone else. S. Citi’s Double Cash Card lets you earn a net of 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid. 24%. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. 24%. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). The Citi Double Cash® Card also earns an unlimited 2% cash back—but with 1% earned when a purchase is made and the other 1%. The Money Hub. One difference is that Wells Fargo offers a shorter 0% introductory rate. The no-annual-fee Citi Double Cash® Card, for example, offers redemption flexibility with its rewards and has a 0% intro APR on balance transfers for 18 months. This Wells Fargo Active Cash Card review covers the pros and cons of this credit card, including its high cashback rewards and welcome bonus. Few cards offering an unlimited 2% cash back on spending provide meaningful extras and perks, but the Wells Fargo Active Cash® Card offers cell phone protection. Unlimited 2% cash back (you earn 1% when you make a purchase and 1% when you pay it off on time) Welcome offer of 20,000 ThankYou® Points, redeemable for. The Citi Double Cash® Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Best for Choice of Bonus Categories: U. While the Citi Double Cash card is the most popular 2 percent cash back card, you might not actually earn 2 percent rewards. With the Wells Fargo Active Cash® Card, you can redeem your rewards for purchases on your statement credit or a direct deposit to your eligible Wells Fargo checking account or mortgage. Citi Double Cash® Card. Easy-to-earn sign-up bonus. Also no FTF, which is great for the occasional overseas trip. The Citi Double Cash Card is a great cash-back option with no annual fee. (If you aren’t successful, apply for the Custom Cash sometime after that. It also offers a welcome bonus: a $200 cash. DoorDash Rewards Mastercard® vs. So I'm looking at cards that always provide at least 2% cashback regardless of category. Special Offer. 01 in any bank, or you can transfer points to a few airlines / hotels. This usually takes 1-2 billing cycles. However, the most significant difference is in the card APRs. This card is. While the benefits of the Citi Double Cash Card are minimal, the Wells Fargo Active Cash Card is more powerful, offering benefits. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. Wells Fargo Active Cash® Card. The no-annual-fee card offers 5% cash back on purchases in a top eligible. The Citi Double Cash and Wells Fargo Active Cash have similar earning rates and no annual fee, but one offers more benefits and a welcome bonus. The card has a $0 annual fee, too. For context, the average annual rewards payout from the cashback credit cards in the investor. Bank Cash+® Visa Signature® Card. Best Credit Cards of November. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. Wells Fargo Active Cash Card: Earn unlimited 2% cash rewards on purchases; Capital One SavorOne: Earn 10% cash back on Uber & Uber Eats purchases (through 11/14/2024)Card type: Cash back. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. You’ll get the full bonus sooner from Wells Fargo Active Cash, while the Chase Freedom Unlimited card’s bonus is slightly more valuable. Of all the flat-rate cards, the Wells Fargo Active Cash® Card is often touted as the best. For. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. Welcome bonus: You can earn a $200 cash rewards bonus with the Wells Fargo Active Cash® Card when you spend $500 on the card in the first three months. Jump to. The Wells Fargo Active Cash® Card is definitely worth it for anyone with good credit or better who wants a $0 annual fee credit card with cash back rewards. CIT Bank’s eChecking account requires a minimum opening deposit of $100, but you can earn a greater yield with a greater balance. Specifically, I don't like that it's 1% cashback + 5% for whatever spending category it is every quarter. Citi Double Cash (2% catch all) US Bank Cash+ (5% on two choice categories - Streaming and Utilities for me). Citi® Double Cash Card. Annual fee: $0. Plus, the card offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Some of the PayPal card’s top competitors -- like the Wells Fargo Active Cash® Card and the Citi Double Cash® Card -- both offer a similar rewards program. Best for Cash. I have had no major issues with using WF cards. Platinum X5 Card from Credit One basics.