Citi Double Cash Credit Card vs Active Cash Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Citi Double Cash Credit Card
Estimated value every year on typical spending
$624/ year
Every year, after the annual fee. No welcome bonus.
Active Cash Credit Card
Estimated value every year on typical spending
$624/ year
Every year, after the annual fee. Year one adds a $100 welcome bonus: $724
The short answer
- On typical spending both cards are worth about $624 a year after fees.
Side by side
| Citi Double Cash Credit Card | Active Cash Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | 2% cash back on purchases: 1% when you buy; 1% as you pay, with no category enrollment, caps, or annual fee | 2% cash rewards on purchases with no categories to track or quarterly activations |
| Welcome bonus | None | $100 cash rewards bonus when you spend $500 in purchases in the first 3 months |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 18 months | 0% for the first 12 months |
| Regular APR | 19.99% to 28.99% variable | 18.74% to 24.74% variable |
| Foreign transaction fee | 3% | 3% |
| Credit needed | Good/Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Citi Double Cash Credit Card | Active Cash Credit Card |
|---|---|---|
| groceries ($500) | $120 | $120 |
| dining ($400) | $96 | $96 |
| gas ($200) | $48 | $48 |
| travel ($300) | $72 | $72 |
| everything else ($1,200) | $288 | $288 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Citi Double Cash Credit Card or the Wells Fargo Active Cash Credit Card?
On typical spending the Citi Double Cash Credit Card is worth more: about $624 a year after its fee, against $624 for the Wells Fargo Active Cash Credit Card. Which is better for you depends on where you spend most; see the category answers below.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.