Wells Fargo is stingy on credit limits. 24 percent. 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. It is also possible Wells Fargo cash back options will be less user-friendly than some other cards (i. Rewards: 5% cash back on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone. After that, an 19. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. 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. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. You can find all the details in our Wells Fargo Active Cash review. Wells Fargo Active Cash 8 /r/creditcards, 2023-01-27, 08:32:44 Help picking a credit. The WF Active Cash, on the other hand, provides 0% intro APR for 15 months on both purchases and balance transfers. coopdude • 3 days ago. 99% variable APR applies thereafter. Wells Fargo Active Cash® Card vs. Citi Double Cash has a $25 minimum amount redemption. 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. 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. 5 percent cash back, but no foreign transaction fee and a $150 sign-up bonus) or. Wells Fargo. Though not quite as straightforward as a flat 2% cash-back card, the Double Cash rewards 2% cash back on all purchases—1% when purchases. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. Cardholders Earn unlimited 2% cash rewards on purchases. Assuming that this. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Wells Fargo Active Cash℠ Credit Card. $0 annual fee. Here are the earning rates for both cards: Wells Fargo Autograph: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases. Capital One Quicksilver Cash Rewards. Really covers almost everything, and then Wells Fargo active cash for 2% back on everything else, and the rewards pool with the autograph. Chase Sapphire Preferred Wells Fargo Active Cash. Citi Diamond Preferred highlights. Citi® Diamond Preferred® Card vs. Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. 99% variable APR applies. 5% cash back for everyone else. S. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. 24%. The daily driver, until I hit the $6k limit. TD Double Up rewards. 24%, 25. Wells Fargo Active Cash® Card: Best overall. The Active Cash earns 2% cash. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. Citi Double Cash® Card. Alternative Wells Fargo Cash Back Credit Card. New cardholders can also earn a $200 cash rewards bonus after spending $500 in purchases within. Wells Fargo Active Cash® Card: Best overall. Wells Fargo Active Cash ® Card vs. 24%, 25. 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. It can help you save energy because it reduces the flow of electricity to the bulb, so the. $0. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. Using this card. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. The Chase Freedom Unlimited card offers everything Capital One Quicksilver does, plus a few extra bonus rewards categories and other perks. No annual fee: The Wells Fargo Reflect Card has a $0 annual fee, and the Active Cash Card has a $0 annual fee. Uber/Lyft, transit, and streaming. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. See Rates and Fees. However, I don't think you should listen to the bad rumors about Wells Fargo. 8 cents each, they can be worth much more when transferred to travel partners. Both the Citi® Double Cash Card and the Fidelity® Rewards Visa Signature® Card charge no annual fee and offer cardholders a solid 2% cash back (the industry standard is 1. They usually give me less than half of the limits I get from Citi. Citi Custom Cash® Card. 24% to 29. There are better 2% alternative like the WF active cash with a nice sub. The Wells Fargo Active Cash® Card offers a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening, and the Wells Fargo Autograph℠ Card comes. Double Cash might be better for a traveler because of the transfer partners it has and the potential to combine points with Citi Premier. Concierge service, 24/7. but I prefer my Citi double cash card, which is 2% as well. Wells Fargo Active Cash vs. So I signed up for Wells Fargo checking account so I could deposit my active cash cash back into the checking account. Credit Cards. Points are worth 50% more when redeemed for. 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. The Wells Fargo Active Cash® Card offers an unlimited 2% cash back on all purchases and has an annual fee of $0. 01 in any bank, or you can transfer points to a few airlines / hotels. 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. And there is no cap on how much cash. That's not exactly what I said. The Wells Fargo Platinum Card had a 0% intro APR offer that differed from the one currently available with the Active Cash Card. offers of $150 for $1500 spend on the Fidelity card. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. Synchrony Premier World Mastercard® * vs. 7 minute read. Excellent, Good, Fair. 73. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back. As you get the entire 2% back two days after the statement cycle closes. The Citi Double Cash ® Card also offers a very long intro APR of 0% for 18 months on Balance Transfers. 99% Variable regular APR after that) An introductory APR of 0% for 15 months from account opening on qualifying balance transfers. Wells Fargo Active Cash ® Card. Citi Double Cash vs Wells Fargo Active Cash: 2% Credit Card. Wells Fargo Active Cash offers a sign-up bonus, a 0% intro APR offer, and cell phone insurance, while Citi Double Cash has a simple cash-back rate. 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). Wells Fargo Active Cash vs. Concierge service, 24/7. I miss out on on the $300 intro bonus but will be going for the CSR this summer to complete the Chase Trifecta. The Double Cash card usually offers a small welcome bonus. . The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. Best for 2% Cash Back: Wells Fargo Active Cash® Card. I received an email yesterday from Citi stating that the 1% cash back on purchases and 1% cash back on payments is changing to 1 point on purchases and 1 point on payments. 3. 24% or 29. . Further the points have a cash value of 100 points per dollar (or 1000 points per $10 as they stated), and points can be redeemed for cash at any time. Our example family typically spends $2,443 annually on flights. Wells Fargo Autograph℠ Card. For context, the average annual rewards payout from the cashback credit cards in the investor. Pros Generous 18-month 0% introductory APR on balance transfers Flat cash-back rate No annual fee Cons Charges foreign transaction fees No added. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. Capital One Quicksilver Verdict Chase Freedom Unlimited® is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Wells Fargo Active Cash vs. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. Chase Sapphire Preferred Wells Fargo Active Cash. Never has been a problem with Wells FargoWells Fargo Active Cash® Card;. The card gives 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months. Citi® Diamond Preferred® Card vs. Specifically, this card offers a 0% intro APR for 15 months on purchases and on eligible balance transfers, then a variable APR of 17. The Citi Double Cash is a popular cashback credit card because of its excellent earning potential. I've got the Amazon card, Amex blue cash. The Chase Freedom Unlimited requires you to spend $500 in the first three months while the Wells Fargo Active Cash requires $1,000 in spending in the first three months. Citi Double Cash® Card. Wells Fargo Active Cash® Card. Bank of America loyalists. Aside from the annual fees (the Amex Blue Cash Preferred Card has an annual fee of $0 intro for the first year, then $95, while the Blue Cash Everyday® Card from American Express has no annual. Other 2% Cash Back Cards. Typically, when you make purchases on a credit card, you are given a grace period of around 30 days before you owe any interest. The $25 redemption limit doesn't bother me because I don't do anything with that little bit of cash back anyway. Best for 2% Cash Back: Wells Fargo Active Cash® Card. The Citi Double Cash® Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Citi® Double Cash Card;. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. Bottom Line: The Freedom Unlimited card best rewards travel purchased through the Chase Ultimate Rewards travel portal, for dining, and at drugstores. Specifically, I don't like that it's 1% cashback + 5% for whatever spending category it is every quarter. Fidelity Rewards or Citi Double Cash card, is the WF card has auto rental collision damage waiver coverage. Platinum X5 Card from Credit One basics. See how it works. The Active Cash is probably better on its own overall, especially due to the SUB. Citi. 3. 50 spent through Apple Pay would translate to $361. 8 cents each, they can be worth much more when transferred to travel partners. One of the best cards for online shopping is the Citi Double Cash ® Card where you can earn 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. It offers a whopping 2%. Neither. Here’s an overview of how cash back works on credit cards: Earn a percentage of the amount paid every time you make a qualifying purchase with your cash back credit card. Wells Fargo Active Cash® Card (rates and fees). When it comes to ongoing rewards, Wells Fargo Active Cash offers a higher base earning rate on purchases. Wells Fargo Active Cash® Card (see rates. 36 cash back per year with Blue Cash Everyday from American Express and $240. The Citi Custom Cash Card offers a 0 percent intro APR on balance transfers and purchases for 15 months, followed by the variable APR of 16. A $ 200 cash rewards initial bonus. After that there are no bonus categories that you have to keep track of. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Articles; Reviews; Compare; Surveys;. 24% (Variable) APR applies. Welcome Bonus. The Wells Fargo Active Cash® Card carries no annual fee and earns an easy-to-track 2% cash rewards on purchases. 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. When your balance is negative on a credit card, it means you’ve paid more than you currently owe. Citi is better due to points games (rewards+ = 10% bonus) etc. THE POINTS GUY. 24% or 29. no direct deposit into any non-Wells Fargo bank. Other options include the ability to redeem for cash at a Wells Fargo ATM (in $20 increments) or for gift cards (in $25 increme nts). Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. 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%. Card Details. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. This likely doesn't. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. So I'm looking at cards that always provide at least 2% cashback regardless of category. Citi Double Cash Card. If you want the most versatile reward of them all—plain old cash, then the $0-annual-fee Citi Double Cash® Card offers a hassle-free 2% cash back on all purchases—1% when purchases are made. This card offers $200 cash rewards after spending $500 in the first 3 months. It also offers a welcome bonus: a $200 cash. 6. 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%. For your hypothetical, I’d suggest a Citi Double Cash and Citi Costco Visa Maximize cash back and points: 2x base using the Double Cash 3x dining, flights, hotels and car rental 4x gas. 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. Capital One Spark Cash Plus. Annual fee: $0 intro annual fee for the first year, then $95. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. With the Wells Fargo Active Cash, the same. Each eligible transaction will earn 2% cash back on all eligible purchases. Also, cash back rewards do not expire as long as your account stays open. 1. Rewards: 2% cash back on all purchases for PenFed Honors Advantage. The Wells Fargo Active Cash card comes with a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20. It also doesn't have as many strings attached as the Citi Double Cash or the Synchrony PayPal Cashback cards. com database is $181. Compare The Drawbacks No credit card or financial product is without possible drawbacks, and it is important to be aware of the potential negatives before you make a final decision about which card is. . Annual fee: $0. com database is $181. One perk of the Wells Fargo Active Cash Card 2% card vs. 99% variable APR. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Wells Fargo Active Cash® Card. 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. Rewards Rate. 24% - 29. 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. Annual fee: $0. Citi® Double Cash Card. Similar to the Venmo Card, the Citi Custom Cash rewards are flexible to your spending. com database is $181. It also earns an unlimited 2%. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases and offers a $0 annual fee, 0% intro APR for 15 months from. Would take a lot of recurring spend for gas with the 1c extra in gas rewards to overcome the $200 signup bonus of the BofA customized cash (maxing gas at $7k spend at an extra 1% would only be an extra $70 per year on the Costco Visa vs the $200 BofA signup bonus). 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. Bank Cash+® Visa Signature® Card. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. 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. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. Bank of America® Customized Cash Rewards Credit. 5 card + SUB is worth more in the short term than a 2% card in th short term, the 1. 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. 00 cash back per year with Citi Double Cash Card and $240. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the. The Citi Double Cash and Wells Fargo Active Cash have similar earning rates and no annual fee, but one offers more benefits. There doesn’t seem to be a specific minimum to redeem rewards for purchases or to buy with points. Given that several banks offer credit cards earning 2% on all. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. But the Wells Fargo Active Cash Card has similar earning potential and adds some additional benefits to sweeten the deal. The Active Cash earns 2% cash. 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. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Whereas with WF Active Cash you can only redeem cashback in increments of $25. You simply swipe your card and let the cash back rewards pile up. Credit Cards. See full list on forbes. Amex Blue Cash Everyday is a better credit card because it offers cash back rewards, as there’s no difference between the cards’ fees or low-interest promotions. Finally, they cash out at a standard . Citi Double Cash; Chase Freedom Unlimited vs. Based on identical spending inputs, you’ll earn $240. This usually takes 1-2 billing cycles. Since its release, the Wells Fargo Active Cash® Card has quickly become a standout in the flat-rate category due to its unlimited. However, Chase Freedom Unlimited outpaces Wells Fargo Active Cash with higher rewards rates in. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. 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. The Wells Fargo Active Cash® Card offers easy, generous and unlimited flat-rate reward on spending with no categories or spending caps to keep track of, Plus a low intro APR offer on purchases. Generally, Wells Fargo has higher rates, so in combination with the shorter 0% rate period, Citi is more attractive. 24% to 28. The Wells Fargo Reflect is a good option for cardholders who are looking to consolidate their debt or finance a large purchase. Wells Fargo Active Cash Card vs. 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. 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. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Not a banking app, just through PayPal (which most people already have). Wells Fargo Active Cash vs. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. The Fidelity Visa's 1% FTF, while certainly not ideal, at least leaves the card as an (effectively) 1% cashback card. Double Cash all day, especially if you have "ecosystems" in mind. Citi Double Cash Card vs. Aside from the credit card partnership, they actually do own a portion of the company. Wells Fargo, making a stronger push into the credit cards business, has introduced one of the most compelling flat-rate credit cards on the market. 1 out of 5 rating 133 Reviews 133 Reviews Apply Now. I would personally make sure I'm well above that before committing to an annual fee card. Even then, the no annual fee Citi Custom Cash will give you 5% on up to $500 a month which beats the BCP if you only use it for groceries. Chase Sapphire Preferred;No annual fee. 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. 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%. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Citi Double Cash® Card. PayPal master card is better. 24% - 29. The Wells Fargo Platinum offered a 0% intro APR on qualifying balance transfers for. The Wells Fargo Active Cash® Card is an exception. 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. Can also get redeem rewards for cash in $20 increments at a Wells Fargo ATM. - Plenty of. I will say I've had multiple Citi merchant offers not pay me out after redeeming. This card is. Wells Fargo Active Cash vs Chase Freedom Unlimited. You also don’t have to jump through any hoops to get the full. 3. Don't Which To Choose. Citi Double Cash vs Wells Fargo Active Cash Review - YouTube In this video, we're comparing the Wells Fargo Active Cash vs Citi Double Cash Credit. Welcome bonus: Earn a $250 statement credit after spending $3,000 in purchases in. Wells Fargo Reflect® Card. Wells Fargo Active Cash Card. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the. Costco Anywhere Visa® Card by Citi: Best for Costco. 00 cash back per year with Citi Double Cash Card and $240. (SUB + 2% of 10K) same spend but double the rewards. Slickdeals. Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. Best Credit Cards of November. Wells Fargo Active Cash vs Citi Double Cash . Base rewards rate: 2% cash rewards on purchases. 5% cash-back cards because it doesn't require you to activate bonus. If you like the simplicity of Citibank’s Double Cash card, you can opt instead for the Capital One QuickSilver (1. Based on identical spending inputs, you’ll earn $240. 99% variable APR), so you’d be. Citi Double Cash Card. 01 in any bank, or you can transfer points to a few airlines / hotels. 5%). Synchrony Premier World Mastercard® * vs. deVrinj • 21 days ago. And you'll generally outearn the Apple Card when it comes to most mobile wallet purchases. Wells Fargo Active Cash Promotions for November 2023. Citi Double Cash® Card. Navy Federal Credit Union Visa Signature® Flagship Rewards Card * vs. 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. The Freedom Unlimited card is a good choice if you’ll spend on select travel via the Chase travel portal, on dining, and at drugstores. I can also say that my experience with Wells Fargo (apps, customer service, etc. The Wells Fargo Active Cash offers a $200 cash rewards bonus and a 0% intro APR on balance transfers for 15 months, while the Citi Double Cash has no welcome bonus but flexible redemption options and a 0% intro APR on balance transfers for 18 months. For a $0 annual fee, the card earns 2% cash. This is my default cashback combo that I would honestly be happy with using. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. However, your earning potential can be higher if you’re spending habits don’t align with the bonus tiers. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. . Jump to. If you’re looking for a good cash-back rewards card, the Wells Fargo Active Cash® Card is a solid choice. Also Wells Fargo has a $300 checking account bonus right now. I’m looking at getting 1 of these 2 options, mainly to pay wedding vendors. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. 2 days ago · Here are a few examples of credit cards offering cash back rewards: Card name. com purchases. 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. These are the popular cards that most people can accessibly earn a good flat-rate cash back. With the Citi Custom Cash, you’ll start off by earning $200 cash back by spending just $1,500 on new purchases within six months of account opening. 6 min read Sep 08. Citi Double Cash® Card. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. 24%, or 29. For example, the Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and the Citi® Double Cash Card. 77 in cash back, and the remaining $16,831. Rewards Rate. Never had that problem with any other card. The Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. 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. Other cash back cards earn more back. Just spend $4,500 in the first 90 days of account opening. 24%, 25. Chase Freedom Unlimited vs. Best Overall Balance Transfer Credit Card: U. Citi Double Cash. DoorDash Rewards Mastercard® vs. ”. As a Citi customer, as with most other card companies, you can get help with your card or account 24 hours. ) has been far better than Synchrony Bank on my Sam's Mastercard. 99% Variable APR. Credit CardsThe Blue Cash Everyday® Card from American Express is the winner over The Amex EveryDay® Credit Card from American Express. Synchrony Premier World Mastercard. Citi Custom Cash Card vs. Citi Double Cash® Card. 24% - 29. 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. ”. If you want the most versatile reward of them all—plain old cash, then the $0-annual-fee Citi Double Cash® Card offers a hassle-free 2% cash back on all purchases—1% when purchases are made. They usually give me less than half of the limits I get from Citi. Overview of the best 2% cash Back credit cards. You must select Apply Now on this page to take advantage of this specific offer. Benefits and Drawbacks. Citi Double Cash® Card. The Citi Double Cash Card provides cardholders with 2% cash back for their purchases, one of the best flat rates available. The Citi Double Cash ® Card also offers a very long intro APR of 0% for 18 months on Balance Transfers. Our Methodology Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. Fidelity® Rewards Visa Signature® Card: Best. 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. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases and offers a $0 annual fee, 0% intro APR for 15 months from. gas stations, and online retail purchases in the U. This Visa Signature. Bank Cash+® Visa Signature® Card. NerdWallet's . Cardholders earn 5% back on the first $1,500 on quarterly bonus purchases (once. 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. The winner: Blue Cash Preferred. Rewards rate.