Don't Which To Choose. Are you OK with category spending or do you want a general spending card? General spending card. Whereas with WF Active Cash you can only redeem cashback in increments of $25. Can also get redeem rewards for cash in $20 increments at a Wells Fargo ATM. The Citi® Double Cash Card is a $0 annual fee credit card that earns 1% back on all purchases. Citi Double Cash® Card. The Citi® Double Cash Card is a $0 annual fee credit card that earns 1% back on all purchases and 1% back when you pay off those purchases. Two accounts, 3 cards, and 3% on basically everything and 2% on the miscellaneous other uncategorized transactions. The Wells Fargo Platinum offered a 0% intro APR on qualifying balance transfers for. 5% cash back for everyone else. Credit Card by. The Fidelity Card requires a Fidelity account to deposit the money into. 5% card. S. TD Double Up rewards. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back cards. Rewards: 5% cash back on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. However, the most significant difference is in the card APRs. Wells Fargo Active Cash even offers an introductory purchase. Of all the flat-rate cards, the Wells Fargo Active Cash® Card is often touted as the best. Cardholders can now earn $200 cash back after you spend $1,500 on. So I signed up for Wells Fargo checking account so I could deposit my active cash cash back into the checking account. 5% cash back, a $200 bonus and 0% for 12 months. 77 in cash back, and the remaining $16,831. (SUB + 2% of 10K) same spend but double the rewards. The Active Cash is probably better on its own overall, especially due to the SUB. Who the Wells Fargo Active Cash Card is Best For. Citi Double Cash v. Welcome bonus: None. You may also call 1-800-642-4720. This card also comes with no annual fee, and new. The card has a $0 annual fee, too. You get 1% cash back when the purchase is made, and the. 24%, or 29. At. Credit Cards. You’ll only earn 1. Earning rates. 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. Really covers almost everything, and then Wells Fargo active cash for 2% back on everything else, and the rewards pool with the autograph. Blue Cash Everyday ® Card from American Express TD Double Up Credit Card vs. 24%, 25. I have had no major issues with using WF cards. 5%). Citi Double Cash® Card . 1. You will earn unlimited 2% cash rewards on all of the purchases that you make. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim. The Active Cash earns 2% cash. Wells Fargo Active Cash® Card. There are no category restrictions and cash rewards don’t expire as long as your account remains open. At which point, I use. 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. The card offers 2% cash back on everything – 1% back when. Cash back rate. I don't know why people make a big deal out of the $25 increments. Rewards rate. The Citi Double Cash® Card earns 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus. 3. . 99% variable) Earn $200 after spending $500 in the first 3 months and unlimited 2% cash rewards on purchases. For. 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. Bonus Card Option: Wells Fargo Active Cash Card. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. A comparison of two cash-back credit cards with an annual fee of $0 and unlimited 2% cash back. Will have a lot of good categories above 2% and the active cash for everything else this way. With the Double Cash Card, however, you earn. FNBO Evergreen (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. Wells Fargo Active Cash® Card is a great card that also has a simple rewards structure. 5%. Synchrony Premier World Mastercard® * vs. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and without any hoops to jump through. Citi® Double Cash Card vs. com database is $181. 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. Special Offer. ”. Wells Fargo Active Cash® Card. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period. Citi Double Cash® Card. - No annual fee. Few cards offering an unlimited 2% cash back on spending provide meaningful extras and perks, but the Wells Fargo Active Cash® Card offers cell phone protection. I know people hate Wells Fargo but I like my active cash and autograph card. This bonus offer will be fulfilled as 20,000. Install dimmer switches. That's not exactly what I said. 24%, or 29. 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 Citi Double Cash Card is a better credit card than Capital One Quicksilver because it provides more ongoing value. 74%,. I just don't like the more limited visibility into WF. Wells Fargo Active Cash® Card. 24% to 29. For example, Chase Freedom Unlimited® can give better overall value due to its bonus categories, offering 1. Citi Diamond Preferred highlights. 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). Chase Sapphire Preferred Wells Fargo Active Cash. Wells Fargo Active Cash ® Credit Card. Navy Federal Credit Union Visa Signature® Flagship Rewards Card * vs. Plus, you can earn 2% cash rewards on all purchases. This card is. 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). Rocket Visa Signature Card vs. The Double Cash provides 18 months of 0% introductory APR on balance transfers. Chase Freedom Unlimited®: Best for Bonus. ”. The Double Cash card usually offers a small welcome bonus. See how it works. The Citi Double Cash offers a generous 0% intro APR on balance transfers for 18 months, then. For the Reflect card, you will be able to get 0% intro APR for 18 months on purchases and balance transfers, then 18. Earn unlimited 2% cash rewards on purchases. 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. 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. See related: Wells Fargo Active Cash vs. Citi has a "Double Cash" card that pays 2% with no requiring of maintaining an account. Slickdeals. 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. Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. The Wells Fargo Active Cash Card earns 2% cash rewards on purchases and charges no annual fee. 6 min read Sep 08, 2023. In this Citi Double Cash Card. I opened the Citi Double Cash a month later, which is my new 2% flat 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. •. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and without any hoops to jump through. Citi Double Cash® Card. I have had no major issues with using WF cards. 73. Best Credit Cards of November. Wells Fargo Active Cash vs. 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%. With no annual fee, a decent welcome bonus. Wells Fargo Active Cash vs. It essentially means you have 0% cashback until you spend exactly $1,250 to reach the $25 increment. Citi Custom Cash Card vs. . The Wells Fargo Active Cash® Card is making a splash among the growing list of 2% flat-rate cards on the market. Our example family typically spends $2,443 annually on flights. The Citi Double Cash card's simple cash back structure and long-lasting balance. Just PC'd the wells fargo 1% cash card (got it in college) to active cash, and now changing double cash to custom cash. 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. Citi Double Cash. Wells Fargo Active Cash® Card (rates and fees). Wells Fargo Active Cash Card vs. Welcome bonus: You can earn a $200 cash rewards bonus with the Wells Fargo Active Cash® Card when you spend $500 on the card in the first three months. 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). Credit Cards. This likely doesn't. While the benefits of the Citi Double Cash Card are minimal, the Wells Fargo Active Cash Card is more powerful, offering benefits. Annual fee. 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 Wells Fargo Active Cash Card review covers the pros and cons of this credit card, including its high cashback rewards and welcome bonus. Citi® Double Cash Card : Best 2% cash back card for balance transfers. 24% to 29. The Citi Double Cash and the Wells Fargo Active Cash are the best options in this category. If you typically receive an annual. Costco Anywhere Visa Card vs. The closest cash back card the Googles is telling me is the Wells Fargo active cash card which is at 2%, but I know Wells Fargo is a shady piece-of-shit company with lots of scandals and pending class action law suits. Citi Double Cash Card vs Citi Custom Cash Card. Citi Double Cash $200 Welcome Offer. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months 1 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. 24%, 25. 0% intro for the first 15 months (then 20. So in terms of a SUB, the Active Cash has a better SUB, both in dollar amount and required spend. If you’re considering applying for the Wells Fargo Active Cash card, it’s probably because of the 2% cash back reward. If you're looking to make a large purchase. Wells Fargo Active Cash ® Card vs. (Although I feel the Wells Fargo Active Cash is far superior to the CDC) CCC you get 5% on $500 so $25 in cash back and the remaining $1,500 is all at 1% so $15. Wells Fargo Active Cash® Card vs. Wells Fargo Active Cash 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. Flat-rate cards earn the same percentage on every purchase—typically 1% to 2% cash back on all spending. 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. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. 6 min read Sep 08. Citi Double Cash. Using the card for. The Wells Fargo Active Cash® Card for introductory perks and 2% on. Citi Double Cash. But the Citi Custom Cash Card would. 24% or 29. 99% variable APR), so you’d be. 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. Wells Fargo Autograph: 3x restaurants, travel, gas, streaming, phone (plus replacement). 24%. Finally, they cash out at a standard . Bank of America Unlimited Cash Rewards vs. ”. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. However, I don't think you should listen to the bad rumors about Wells Fargo. . 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. And they gave the GoRewards offers which may help you save money. Citi Double Cash (2% catch all) US Bank Cash+ (5% on two choice categories - Streaming and Utilities for me). However, if you're looking to keep building your retirement, redemption on the Fidelity Card could be an easy way to keep. Based on identical spending inputs, you’ll earn $201. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $500 in the first 3 months and a $0 annual fee. hotels, Airbnb, Uber/Lyft, taxi), and streaming, and Wells Fargo active cash for 2% on everything else, like Costco. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. The Wells Fargo Active Cash® Card offers an unlimited 2% cash back on all purchases and has an annual fee of $0. Synchrony Premier World Mastercard. Pros 2% cash back on. Once the introductory period is over, the regular APR ranges from 19. offers of $150 for $1500 spend on the Fidelity card. Intro APR on balance transfers: The Reflect Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. That describes the Citi Double Cash® Card. 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 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. What you should expect to be given when managing a credit card. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. As you get the entire 2% back two days after the statement cycle closes. The Hawaiian Airlines World Elite Mastercard earns 3 HawaiianMiles on eligible purchases with Hawaiian Airlines. The Citi Double Cash® Card has an annual fee of $0 and earns 2% cash back on all purchases—1%. Use the accumulated cash back for a statement credit, check or direct. Citi Double Cash Card vs. PayPal master card is better. This card doesn’t have any bonus categories as tiered rewards cards do. Fidelity® Rewards Visa Signature® Card: Best. Citi® Double Cash Card;. Welcome bonus: $200 bonus after opening a Rewards Checking Plus account and making three debit card transactions within 60 days of account. The Wells Fargo Reflect is a good option for cardholders who are looking to consolidate their debt or finance a large purchase. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. 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 vs Citi Double Cash . Double Cash all day, especially if you have "ecosystems" in mind. Typically, when you make purchases on a credit card, you are given a grace period of around 30 days before you owe any interest. Otherwise, I like WF Active Cash because of the bonus and Wells Fargo's customer service. Unlike. Citi Double Cash Review; Chase Ink Cash Review; Capital One Quicksilver Review. The 6% cash back on U. The Wells Fargo Active Cash® Card carries no annual fee and earns an easy-to-track 2% cash rewards on purchases. The Citi Premier® Card earns 3 ThankYou points per dollar spent on air travel and hotels. With the Citi Double Cash Card, you’ll earn 1% cash back when you make a purchase and an additional 1% when you pay off your balance. 1. They usually give me less than half of the limits I get from Citi. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. Citi Double Cash (DC) may be more worthwhile if you like 2% flat cashback. It also doesn't have as many strings attached as the Citi Double Cash or the Synchrony PayPal Cashback cards. Citi® Double Cash Card. Citibank offers a bigger cash bonus opportunity — up to $2,000. Best. 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). Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through. Specifically, I don't like that it's 1% cashback + 5% for whatever spending category it is every quarter. With the Double Cash Card, however, you earn 1% when you make the purchase and. 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. 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. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. 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. 24%. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. I have used PayPal bill pay with both my CFF and Active Cash and they work flawlessly with no surcharges. 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. Its main quirk is how the card. 3. After that, the standard variable. Wells Fargo Active Cash®. These are the popular cards that most people can accessibly earn a good flat-rate cash back. If you're looking to make a large purchase. 24% or 29. It offers a whopping 2%. Additionally, the Citi Double Cash Card comes with a 0% intro APR on balance transfers for 18 months. So for example if you have $45 accrued, you can only redeem $25 and will have $20 left. Its limited-time offering of 10% cash back for Uber and Uber Eats. The annual rewards payout assumes you charge $1,000 each month spread. The Citi Rewards+ is a great complement to the Double Cash and/or the Custom Cash. The Wells Fargo Active Cash is probably the most comparable card to the Citi Double Cash, yet. 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. Wells Fargo Active Cash vs. The Wells Fargo Active Cash® Card is a no-annual-fee credit card that earns unlimited 2% cash rewards on purchases. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). 10% APY, while those with a. The no-annual-fee card offers 5% cash back on purchases in a top eligible. The CFU has even more potential because it can be combined with the Chase Sapphire Preferred or Reserve. Wells Fargo Active Cash® Card. Cash Wise Visa has 1. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. com In head-to-head competition, which of these rewards credit cards wins out? Here’s what. That’s a total of 2% cash back on everything you. 24%, 25. Base rewards rate: 2% cash rewards on purchases. Chase Sapphire Preferred Wells Fargo Active Cash. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. 5% cash back, a $150 bonus and 0% for 15 months on purchases and transfers. •. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit 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. If you're looking for a major bank that's free of scandals, it doesn't exist. supermarkets, U. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. I just called them yesterday to ask if the Autograph has the same $25 increment rule, and it does. 24%, or 29. NerdWallet's . The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. 1. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the. Its rewards rate of 2% cash rewards on purchases is ideal for someone whose spending. It earns rewards in a similar fashion. 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. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the first 90 days of account opening. Easy-to-earn sign-up bonus. However, Chase Freedom Unlimited outpaces Wells Fargo Active Cash with higher rewards rates in. 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. That describes the Citi Double Cash® Card. AC has an interest-free promo period on purchases and BTs, where DC’s promo is only for BTs. 5% cash-back cards because it doesn't require you to activate bonus. Citi Custom Cash Card vs Wells Fargo Active Cash Card 2023 Written by investor. Intro APR of 0% for 12 months from. People may hate Wells Fargo. The new welcome offer brings it in line with other cash-back credit cards on the market. 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. When your balance is negative on a credit card, it means you’ve paid more than you currently owe. coopdude • 3 days ago. Bank of America® Customized Cash Rewards Credit. Citi Double Cash Card vs. 24%, or 29. As you get the entire 2% back two days after the statement cycle closes. 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. 00 with Wells Fargo Active Cash Card. It is also possible Wells Fargo cash back options will be less user-friendly than some other cards (i. Citi Double Cash Card. 24%, 24. For context, the average annual rewards payout from the cashback credit cards in the investor. 7 minute read. Simply pick up the phone to call Visa Signature Concierge. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. After that, the standard variable. Wells Fargo Active Cash® Card. Citi Double Cash® Card. Credit. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. The value of a 1. Lastly, the Chase Freedom Unlimited offers 5% cash back on gas station purchases, up to $6,000 in. We'll compare the introductory bonuses, how cashback is earned,. 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. Other cash back cards earn more back. The WF Active Cash, on the other hand, provides 0% intro APR for 15 months on both purchases and balance transfers. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. I have the Wells Fargo Active Cash, but unlike my other cards, it doesn't sync my provisional transactions in YNAB. The $25 redemption limit doesn't bother me because I don't do anything with that little bit of cash back anyway. 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. Look up Alliant credit Union signature visa 2. Wells Fargo Reflect® Card. Citi Double Cash Card. 24 percent to 26. Bottom Line: The Freedom Unlimited card best rewards travel purchased through the Chase Ultimate Rewards travel portal, for dining, and at drugstores. 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. Concierge service, 24/7. Uber/Lyft, transit, and streaming. But if you spend $10000 with this new card, you’ll get $400. Card Name. After that, an 19. The $0-annual-fee card offers the following: Rewards: Unlimited 2% cash back on. I would personally make sure I'm well above that before committing to an annual fee card. The only downside to this change are to the people who made use of the Citi Bonus Cash Center (Citi's own shopping portal). For example, the Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and the Citi® Double Cash Card. This means. A balance transfer fee of up to 5% of the each. American Express Blue Cash Preferred Card basics. 99% Variable APR. While the Citi Double Cash card is the most popular 2 percent cash back card, you might not actually earn 2 percent rewards. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. 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. Bank Cash+® Visa Signature® Card. Also, cash back rewards do not expire as long as your account stays open. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. Double Cash might be better for a traveler because of the transfer partners it has and the potential to combine points with Citi Premier. 24% variable APR;. Earn $200 cash back. WF has the ability to link to your PayPal so you don't have to wait for the $25 redemption minimum if you select that card as a payment method. Citi Double Cash. Learn More About the Active Cash HERE: “Show More” to see my Favorite Financial Tools MY FINANCIAL TOOLS 💳 Credit Car. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back. Citi Double Cash. 5% cards do. Wells Fargo Reflect® Card. no direct deposit into any non-Wells Fargo bank.