7 minute read. Wells Fargo Active Cash even offers an introductory purchase. Wells Fargo Active Cash® Card vs. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. 24% to 29. Citi Double Cash Card. There doesn’t seem to be a specific minimum to redeem rewards for purchases or to buy with points. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. Wells Fargo Active Cash Card 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. A balance transfer fee of up to 5% of the each. Based on identical spending inputs, you’ll earn $240. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. If you're thinking about getting this card, you should also compare it to its closest rival, the Citi Double Cash® Card from our partner Citi, which offers 1% cash back on purchases and 1% cash back after paying your bill. You need to spend at least $264 a month on groceries for 6% and $95 fee to be better than 3% with no annual fee. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Wells Fargo Active Cash vs Chase Freedom Unlimited. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. No annual fee. 24% to 29. However, your earning potential can be higher if you’re spending habits don’t align with the bonus tiers. The Citi Double Cash® Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Aside from the credit card partnership, they actually do own a portion of the company. Wells Fargo Active Cash® Card is a great card that also has a simple rewards structure. Articles; Reviews; Compare; Surveys;. The Citi Custom Cash® Card (Citi is a Forbes Advisor partner) is big-idea plastic that works well as a companion card. Wells Fargo Cash Wise Visa – The two cards tie. Using the card for. It provides a simple model—earn 2% cash back on. The Wells Fargo Active Cash Card earns 2% cash rewards on purchases and charges no annual fee. Finally, they cash out at a standard . Cash-back rewards. Wells Fargo Active Cash (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. Active Cash. Bonus Card Option: Wells Fargo Active Cash Card. 99%. The Active Cash earns 2% cash. It offers a whopping 2%. Really covers almost everything, and then Wells Fargo active cash for 2% back on everything else, and the rewards pool with the autograph. Annual fee: $0. 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. Best for Choice of Bonus Categories: U. THE POINTS GUY. Wells Fargo Active Cash and Wells Fargo Autograph. 5% cash back for everyone else. 24% to 28. Given that several banks offer credit cards earning 2% on all. •. The Citi Double Cash® Card (see rates and fees) is considered one of the best cash reward cards on the market. Pros 2% cash back on. Wells Fargo Autograph℠ Card. This is my default cashback combo that I would honestly be happy with using. Synchrony Premier World Mastercard® * vs. Take a look at this table to quickly compare the primary benefits of both cards. . The Wells Fargo Active Cash® Card, which launched in July 2021, has quickly distinguished itself as one of the best cash-rewards cards on the market. 2% unlimited cash rewards on purchases; $200 cash rewards bonus when you spend $1,000 in the first 3 months. 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. Concierge service, 24/7. Wells Fargo Active Cash® Card (see rates. Citi Double Cash has a $25 minimum amount redemption. Who the Wells Fargo Active Cash Card is Best For. The Wells Fargo Active Cash also lets you redeem your rewards for gift cards in increments of $25, from an ATM with a $20 minimum, or into an eligible Wells Fargo checking or savings account. 6 min read Sep 08, 2023. Still better than many of its better-known 2% competitors, including the Citi Double Cash, Wells Fargo Active Cash, FNBO Evergreen, Synchrony Premier, (Synchrony-issued) PayPal Cashback Mastercard, all of which charge a 3% FTF. 2% total cash-back. And Wells Fargo no longer has a minimum rewards redemption requirement. Citi Double Cash vs Wells Fargo Active Cash. The major difference between the Citi Double Cash vs. But the Wells Fargo Active Cash Card has similar earning potential and adds some additional benefits to sweeten the deal. 24% - 29. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. 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. Each eligible transaction will earn 2% cash back on all eligible purchases. That's not exactly what I said. JS by Jason Steele. Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives. The card also comes with cellphone protection of up to $600 of cell phone. Wells Fargo Active Cash® Card. If you're looking for a major bank that's free of scandals, it doesn't exist. The daily driver, until I hit the $6k limit. Those seeking a cash-back card that earns the same great rate on all your spending should look to a card like the Wells Fargo Active Cash® Card. Both cards offer a $200 welcome offer bonus. The Wells Fargo Active Cash ® Card is a solid $0-annual-fee cashback credit card with potentially even better rewards than the Bank of America Unlimited Cash Card. 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. Forbes Advisor evaluated over 100 credit cards in 2023 within their respective categories, including cash-back credit cards, travel cards, flexible rewards cards, business credit cards, student. 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). Its limited-time offering of 10% cash back for Uber and Uber Eats. Citi Double Cash Card vs. PayPal master card is better. Anybody have a quick summary of this, so we do not have to watch a long, agonizing video? All I know is Costco takes Visa only so for me, it already 1 ups the Double Cash. 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 is a no-annual-fee credit card that earns unlimited 2% cash rewards on purchases. You have the right. Credit Cards. 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. Benefits and Drawbacks. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Earn unlimited 2% cash rewards on purchases. 99% Variable regular APR after that) An introductory APR of 0% for 15 months from account opening on qualifying balance transfers. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. These are the popular cards that most people can accessibly earn a good flat-rate cash back. You may also call 1-800-642-4720. Wells Fargo Active Cash® Card. Assuming that this. PayPal Cashback Mastercard®. Best for 2% Cash Back: Wells Fargo Active Cash® Card. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. Citi Double Cash. These are the popular cards that most people can accessibly earn a good flat-rate cash back. 74%,. 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 offers a $200 cash rewards bonus if you spend $1,000 within the first three months (roughly $334 a month) of account opening. Citi Double Cash. The Wells Fargo Reflect is a good option for cardholders who are looking to consolidate their debt or finance a large purchase. For example, Chase Freedom Unlimited® can give better overall value due to its bonus categories, offering 1. Wells Fargo Active Cash (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. $0 . Finally, they cash out at a standard . Quicksilver offers 1. The Wells Fargo Active Cash signup bonus sees you getting a cash bonus of $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. 24%. The no-annual-fee card offers 5% cash back on purchases in a top eligible. You get 1% cash back when the purchase is made, and the. Wells Fargo Secured. 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). 3. The Double Cash card usually offers a small welcome bonus. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. 73. supermarkets, U. Citi® Double Cash Card. The new welcome offer brings it in line with other cash-back credit cards on the market. After that, the standard variable. Thinking of making the new Wells Fargo Active Cash my baseline card and do a product change with Citibank Double Cash to Citibank Custom Cash?…Wells Fargo Active Cash vs Chase Freedom Unlimited 3 /r/creditcards, 2023-04-16, 17:24:09. Citi® Double Cash Card. 2% cash rewards on purchases. 0% intro for the first 15 months (then 20. Wells Fargo Active Cash℠ Credit Card. 24% (Variable) APR applies. That is a total of $40 in cash back per month at $2,000 spendThe Citi Double Cash. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. Capital One Quicksilver Cash Rewards. The WF card is a true 2% card with no gimmick of 1% now and 1% later and it is a visa card which is usable in Costco unlike the Mastercard Double Cash. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. 5% cash back, a $200 bonus and 0% for 12 months. While many credit cards offer flat-rate cash back, the Citi Double Cash is one of the few other cards that offers an effective 2% cash back on. 24% or 29. Wells Fargo Reflect® Card: Best balance transfer card. I’m looking at getting 1 of these 2 options, mainly to pay wedding vendors. Alternative Wells Fargo Cash Back Credit Card. CIT Bank’s eChecking account requires a minimum opening deposit of $100, but you can earn a greater yield with a greater balance. 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® Card earns 2% cash rewards on purchases, and without any hoops to jump through. Currently, the Citi Double Cash doesn’t. Then select Request Balance Transfer under Account Management to view available offers. Bank of America loyalists. 19. Its main benefits are earning a steady 2% back on all purchases and a $0 annual fee. The Active Cash earns 2% cash. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. 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. Citi Double Cash vs. The Wells Fargo Platinum Card had a 0% intro APR offer that differed from the one currently available with the Active Cash Card. The Citi Double Cash Card is the winner over Discover it® Cash Back. See related: Wells Fargo Active Cash vs. the Wells Fargo Active cash is the introductory APR offers. 3 important differences between Wells Fargo Autograph vs. 5% cards do. Based on identical spending inputs, you’ll earn $240. 24% to 28. This 2% card has a $200 SUB. Wells Fargo Active Cash® Card. The Wells Fargo Active Cash® Card is an exception. 6 min read Sep 08, 2023. Capital One Spark Cash Plus. I know people hate Wells Fargo but I like my active cash and autograph card. 24%, or 29. The Wells Fargo Active Cash® Card carries no annual fee and earns an easy-to-track 2% cash rewards on purchases. Rewards Rate. The card offers 2% cash back on everything – 1% back when. 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. Don't Which To Choose. 99% variable APR. The Active Cash Card offers 0% intro. For a $0 annual fee, the card earns 2% cash. Citi Double Cash® Card. If Wells Fargo Rewards allowed you to transfer points 1:1 with BILT Rewards, I think that'd be a huge competitor to Chase / Citi / CapOne / AmEx. 5 card will immediately give you $200 of value for hitting the SUB while a 2% card will have to take years to give you that same value you can get in just a couple months conversely The Active Cash is probably better on its own overall, especially due to the SUB. Wells Fargo Active Cash ® Card. Flat-rate cards earn the same percentage on every purchase—typically 1% to 2% cash back on all spending. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Use the accumulated cash back for a statement credit, check or direct. This likely doesn't. com In head-to-head competition, which of these rewards credit cards wins out? Here’s what. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. There’s a welcome bonus of $100 statement credit after spending $1,000 on purchases in the first. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. Like the Active Cash, the Citi Double Cash offers a flexible rewards program. In this article, we’ll compare two of the most popular 2% back cards right now: the Wells Fargo. 1. 24% variable APR;. 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. However, if you're looking to keep building your retirement, redemption on the Fidelity Card could be an easy way to keep. I have the active cash and the PPMC, and will be PCing the WFAC to the Autograph as I am 4/24. Wells Fargo Active Cash® Card. I didn't mention this previously, but here's a breakdown of the Citi Custom Cash vs the. Citi Double Cash (2% catch all) US Bank Cash+ (5% on two choice categories - Streaming and Utilities for me). After that, an 19. Wells Fargo Active Cash ® Credit Card. To learn more, please visit Wells Fargo Balance Transfers. DoorDash Rewards Mastercard® 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. I have used PayPal bill pay with both my CFF and Active Cash and they work flawlessly with no surcharges. Our Methodology Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. FNBO Evergreen (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. The Wells Fargo Active Cash ® Card, a 2% unlimited cash-rewards card with no annual fee, is sure to be one of the most popular options among flat-rate cash-rewards cards on the market. With no annual fee, a decent welcome bonus. 99% variable APR), so you’d be. The card has excellent short-term value because it offers a sign-up bonus and a lengthy intro APR offer for both purchases and balance transfers. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. Wells Fargo Active Cash® Card. 24%, 25. Was with you up until the cancellation part. Skip To Content Toggle Menu Back. If you’re considering applying for the Wells Fargo Active Cash card, it’s probably because of the 2% cash back reward. That being said, I don’t use this setup. Citi Double Cash® Card. Points are worth 50% more when redeemed for. 5 card will immediately give you $200 of value for hitting the SUB while a 2% card will have to take years to give you that same value you can get in just a couple. partial_to_fractions. In order to get the $200 sub in 2% cash back you’ll need to spend $10000 with your DC. Citi® Double Cash Card: Best for pairing. One area where it stands ahead of the Wells Fargo Active Cash. 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. This card offers $200 cash rewards after spending $500 in the first 3 months. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. 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 $18,088. 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. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus. Bread Cashback™ American Express® Credit Card * vs. 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. AC has an interest-free promo period on purchases and BTs, where DC’s promo is only for BTs. Citi® Double Cash Card: Best for pairing. 01 in any bank, or you can transfer points to a few airlines / hotels. Chase Freedom Unlimited®: Best for Bonus. Simply pick up the phone to call Visa Signature Concierge. Bank Cash+® Visa Signature® Card. 8 Update: Besides the $200 offer online, there’s now a $250 offer in local branches. This usually takes 1-2 billing cycles. Rewards Program Details: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. But if you are looking for something that might be better I think the new PayPal credit card, which isn't available yet, would be a strong consideration. No annual fee: The Wells Fargo Reflect Card has a $0 annual fee, and the Active Cash Card has a $0 annual fee. On the Citi Double Cash Card, you’d earn $100 in cash back for the month on $5,000 in spending after paying your bill in full. Credit. Wells Fargo Active Cash® Card. Annual fee: $0. The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on all purchases and a generous sign-up bonus with no annual fee. With Citi Double Cash the $25 is the redemption minimum, so once you accrued over $25, you can redeem the entire cash back balance. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). 5/10 CNET Rating See Rates & Fees Apply Now On Wells Fargo's secure website Intro Offer $200 cash rewards Annual fee $0 APR 20. Wells Fargo Active Cash® Card. Will have a lot of good categories above 2% and the active cash for everything else this way. 24%. Gotcha. The Wells Fargo Active Cash Card is a competitive addition to that short list, one-upping the terms of the Wells Fargo Cash Wise card and comparable to the established Citi Double Cash Card, another $0 annual. Holders of the Citi Rewards+® Card and Citi Double Cash® Card can transfer points to a shorter list of travel partners. coopdude • 3 days ago. Citi has a "Double Cash" card that pays 2% with no requiring of maintaining an account. 99% variable APR applies thereafter. Citi Double Cash Review; Chase Ink Cash Review; Capital One Quicksilver Review. 8 cents each, they can be worth much more when transferred to travel partners. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. Citi Double Cash® Card. The value of a 1. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months 1Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Simply pick up the phone to call Visa Signature Concierge. Citi Double Cash Card vs. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. $0 annual fee. Active cash is better due to insurance on the card. no direct deposit into any non-Wells Fargo bank. An introductory APR of 0% for 15 months from account opening on purchases ( 20. Citi Double Cash. The Citi® Double Cash Card is a $0 annual fee credit card that earns 1% back on all purchases. The Wells Fargo Active Cash Card is a flat-rate cash back credit card. $0. After that, the standard variable. Credit Cards. So if you open the Citi Double Cash® Card, you receive no interest for the first 18 months on balance transfers (then 19. 99% variable) Earn $200 after spending $500 in the first 3 months and unlimited 2% cash rewards on purchases. Chase Sapphire Preferred;No annual fee. The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. 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). Meanwhile, the Citi Double. These are solid benefits for a card with no annual fee. The Citi Double Cash and Wells. The Wells Fargo Active Cash card offers 0% APR for 15 months, while the Citi Double Cash Card offers 0% APR for 18 months on balance transfers, so the Citi card would give you more time to repay. S. Credit Cards. I have had no major issues with using WF cards. Chase Sapphire Preferred Wells Fargo Active Cash. Generally, you earn the cash-back rewards as a percentage of eligible purchase amounts — a 2% cash back. Wells Fargo Active Cash®. Wells Fargo Active Cash® Card. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. Citi Double Cash. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. Learn more about this card. 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. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Wells Fargo Active Cash® Card;. Citi double cash declined me several times in 6 months, a couple times at a restaurant right by my house. American Express Blue Cash Preferred Card basics. Annual fee: $0. Citi® Double Cash Card : Best for earning 2% cash back with a long intro APR. 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. This Visa Signature. Citi Custom Cash® Card. Best Overall Balance Transfer Credit Card: U. That can make a big difference if you ever find yourself outside the U. Citi Double Cash® Card. However, the most significant difference is in the card APRs. 5 card + SUB is worth more in the short term than a 2% card in th short term, the 1. The Citi Double Cash Card offers a simple rewards system. 99% Variable APR. 3. 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. Best Cash Back Credit Cards of November 2023. Citi Double Cash® Card. For most purchases you’ll earn 2% cash back – 1% when you make the purchase, and the other 1% once it’s paid off. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. . 3. 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 Custom Cash vs Double Cash - One card only, which to choose?. Welcome bonus: None. gas stations, and online retail purchases in the U. Best for easy sign-up bonus. Earn an unlimited 2% cash back on every single purchase. 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). Excellent, Good, Fair. NerdWallet's . Wells Fargo Active Cash vs. New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards welcome bonus for spending just $500 on their card in the first three months. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. 2. 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. Wells Fargo Active Cash® Card. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. It's also best if you need to pay off a high interest credit card. Apply Now. Intro APR on balance transfers: The Reflect Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18. It has a $200 welcome bonus, cell phone insurance, and it works with digital wallets. Citi Double Cash® Card . The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. The Wells Fargo Active Cash® Card also comes with a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening, while the Citi® Double Cash Card. Chase Sapphire Preferred Wells Fargo Active Cash. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee.