Citi Double Cash® Card vs Wells Fargo Active Cash® Card
Citi Double Cash® Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
Fees and perks at a glance
Annual fees: Citi Double Cash® Card $0 · Wells Fargo Active Cash® Card $0. Both cards carry the same annual fee.
Citi Double Cash® Card Signup bonus: Earn $200 cash back after $1,500 in purchases in the first 6 months of account opening (fulfilled as 20,000 ThankYou Points)
Wells Fargo Active Cash® Card Signup bonus: $200 after $500 spend in 3 months
Earn comparison by category
| Category | Citi Double Cash® Card | Wells Fargo Active Cash® Card |
|---|---|---|
| Dining | 3.00%2x × 1.5¢ | 2.00%2x × 1¢ |
| Groceries | 3.00%2x × 1.5¢ | 2.00%2x × 1¢ |
| Gas / EV charging | 3.00%2x × 1.5¢ | 2.00%2x × 1¢ |
| Travel | 3.00%2x × 1.5¢ | 2.00%2x × 1¢ |
| Everything else | 3.00%2x × 1.5¢ | 2.00%2x × 1¢ |
| Hotels via travel portals | 7.50%5x × 1.5¢ | 2.00%2x × 1¢ |
Verdict by spending profile
| Category | Citi Double Cash® Card | Wells Fargo Active Cash® Card |
|---|---|---|
| Dining-heavy | 3.00% | 2.00% |
| Grocery-heavy | 3.00% | 2.00% |
| Gas-heavy | 3.00% | 2.00% |
| Travel-heavy | 3.00% | 2.00% |
| Everyday spending | 3.00% | 2.00% |
How is this comparison computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
This page compares the two cards' catalog earn rates only. Signup bonus amounts change over time, so they are not in the table.
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
This page compares two cards only. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best may differ.
Frequently asked questions
Citi Double Cash® Card vs Wells Fargo Active Cash® Card: which one is better?
Citi Double Cash® Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
How do the annual fees compare?
Annual fees: Citi Double Cash® Card $0 · Wells Fargo Active Cash® Card $0. Both cards carry the same annual fee.
Where is the biggest gap?
Hotels via travel portals is where Citi Double Cash® Card leads by the most: 7.50% vs 2.00% (5x × 1.5¢ vs 2x × 1¢).
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
- DanHana data & verification method
- What is DanHana?
- Smart recommendations
- Citi Double Cash® Card official page
- Wells Fargo Active Cash® Card official page
Page updated: October 28, 2026