Citi Double Cash vs Wells Fargo Active Cash
The Citi Double Cash comes out ahead for all three spending profiles we tested. Below: what each card pays after fees for three spending profiles, the break-even, and a live calculator for your own numbers. Card terms verified Oct 5, 2026.
Simulated results
Five years, welcome offers counted when the profile's own spending reaches them, points valued as cash (Citi points at 1.0¢). Merchant credits like Uber or DoorDash aren't counted for typed profiles; they show up in the break-even instead.
| Profile | Citi Double Cash: year 1 | then yearly | 5 years | Wells Fargo Active Cash: year 1 | then yearly | 5 years |
|---|---|---|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $674 | $474 | $2,570 | $574 | $474 | $2,470 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $995 | $795 | $4,175 | $895 | $795 | $4,075 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,220 | $1,020 | $5,300 | $1,120 | $1,020 | $5,200 |
The break-even
Everyday spender
Wells Fargo Active Cash trails Citi Double Cash by $20 a year. It has no extra perks we left unpriced that could close that gap.
Balanced
Wells Fargo Active Cash trails Citi Double Cash by $20 a year. It has no extra perks we left unpriced that could close that gap.
Frequent traveler
Wells Fargo Active Cash trails Citi Double Cash by $20 a year. It has no extra perks we left unpriced that could close that gap.
Try it with your spending
Starts from the Balanced profile. Change any number, or drop in your statements; they're read on this device and never uploaded.
The live calculator needs JavaScript. The tables above are precomputed.
The live calculator needs JavaScript. The tables above are precomputed.
Side by side
| Term | Citi Double Cash | Wells Fargo Active Cash |
|---|---|---|
| Issuer and network | Citi, Mastercard | Wells Fargo, Visa |
| Annual fee | None | None |
| Requires | Nothing extra | Nothing extra |
| Welcome offer | $200 after $1,500 in 6 months | $100 after $500 in 3 months |
| Earning | 5x total (2x + 3x extra) on hotels, car rentals and attractions booked through Citi Travel · 2x on everything else | 2% on everything else |
| Rewards currency | Citi ThankYou points | Cash back |
| Statement credits | None | None |
| Lounges | None | None |
| Foreign transaction fee | 3% | 3% |
| Authorized users | No fee | No fee |
| Availability | Open to new applicants | Open to new applicants |
| Verified | Oct 5, 2026 | Oct 5, 2026 |
Compare every card with your statements