![]() ![]() Why should you get the Wells Fargo Active Cash? Additional benefits ![]() If it takes you longer to pay off your purchases, it’ll take you longer to get your full 2 percent cash back. With the Citi Double Cash, you’ll earn 1 percent cash back when making your purchases and the final 1 percent back when you pay for them. The only real difference is when you’ll get your cash rewards. You’d earn $60 in cash rewards each month, or $720 per year. Say you charge an average of $3,000 per month ($36,000 per year). If you spend more than $1,500 per month, you’d earn more. If you continue to spend $1,500 each month ($18,000 per year), you’d earn $360 in cash rewards annually with either card. For this month, then, you’d earn $30 in rewards. You’ll earn 2 percent cash rewards on all purchases you make - groceries, takeout, bills, clothing or travel. Say you charge $1,500 with either your Wells Fargo Active Cash or Citi Double Cash during a given month. Which card earns the most?īecause the Citi Double Cash and Wells Fargo Active Cash cards both earn 2 percent cash rewards on purchases, your earnings potential is the same with both cards. This means that neither card is a good fit for traveling abroad. Foreign transaction fee winner: TieĪgain, there’s no difference between the Wells Fargo Active Cash and Citi Double Cash: Both cards charge a 3 percent foreign transaction fee. Neither of these cards charges an annual fee. For instance, the card has previously offered a $200 bonus after spending $1,500 on purchases within the first six months of account opening. Currently, the Citi Double Cash doesn’t offer a welcome bonus, but it has occasionally included a welcome bonus in the past. 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 highlights Welcome bonus winner: Wells Fargo Active Cash $5) appliesĠ% intro APR on balance transfers for 18 months after account opening (followed by a variable APR of 18.24% to 28.24%)īalance transfers made within the first 4 months include an intro balance transfer fee of 3% (min. Chase Freedom Unlimited cardholders have a variety of consumer benefits, including zero liability protection, purchase protection and extended warranty protection.$200 cash rewards bonus after spending $1,000 in the first 3 months of account openingĢ% cash back on all purchases - 1% as you make purchases and another 1% when you pay for purchasesĠ% intro APR on purchases and qualifying balance transfers for 15 months after account opening (followed by a variable APR of 19.24%, 24.24% or 29.24%)īalance transfers made within the first 120 days include an intro balance transfer fee of 3% (min. The Citi Double Cash Card - 18 month BT offer has benefits including exclusive access to entertainment ticket purchases, identity theft support and fraud protection, 24/7 customer service, lost wallet service, digital wallet and contactless pay, and zero dollar liability on unauthorized charges. ![]() That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases. Chase Freedom Unlimited cardholders earn a 1.5% bonus on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. The Citi Double Cash Card - 18 month BT offer does not offer a sign-up bonus. Chase Freedom Unlimited users enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. Citi® Double Cash Card - 18 month BT offerĬiti Double Cash Card - 18 month BT offer has a $0 annual fee, and the Chase Freedom Unlimited has an annual fee of $0.Ĭiti Double Cash Card - 18 month BT offer cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. ![]()
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