Credit Cards » Compare Credit Cards » Citi Double Cash vs Wells Fargo Active Cash: Which Card Wins?
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Citi Double Cash vs Wells Fargo Active Cash: Which Card Wins?

When both cards offer the same flat rate cashback, we should see beyond it. Which card is better? Here's The Smart Investor full analysis.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

The Citi® Double Cash Card and Wells Fargo Active Cash℠ Card have been designed to offer rewards for all your spending with no complicated category system.

On the surface, these cards appear to be the same, but there are some crucial differences which will influence which card is the better choice for you.

General Comparison

citi double cash

Wells Fargo active cash card

Citi® Double Cash Card
Wells Fargo Active Cash℠
Annual Fee
$0
$0
Rewards
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
2% cash rewards on purchases (unlimited)
Welcome bonus
$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
0% Intro APR
18 months on balance transfers, then 19.24% – 29.24% (Variable) APR
15 months on purchases and qualifying balance transfers, then 20.24% to 29.99% variable APR APR
Foreign Transaction Fee
3%
3%
Purchase APR
19.24% – 29.24% (Variable)
20.24% to 29.99% variable APR
Read Review
Read Review

Simulation: Which Card Gives More Rewards?

Although we’ve looked at a variety of comparison areas, it can still be difficult to appreciate the real world benefit of each card. So, here we’ve created a scenario comparison with typical every day spending to help you see what you could earn with a similar spending pattern.

As you can see, the cash rewards for these two cards are the same. 

citi double cash

Wells Fargo active cash card

Spend Per Category
Citi® Double Cash Card
Wells Fargo Active Cash℠
$15,000 – U.S Supermarkets
$300
$300
$3,000 – Restaurants
$60
$60
$1,500 – Airline
$30
$30
$1,500 – Hotels
$30
$30
$4,000 – Gas
$80
$80
Estimated Annual Value
$500
$500

* The Citi Double Cash calculated according to 2% cash back - please keep in mind you'll get the additional 1% upon payment.

Compare Fees

The fees for both these cards are remarkably similar. Both cards have no annual fee, the same foreign transaction fee, and balance transfer fees including a promotional period for the first four months. One difference is that Wells Fargo offers a shorter 0% introductory rate.

However, the most significant difference is in the card APRs. While Citi has an APR range, Wells Fargo has three possible rates, depending on your credit. Generally, Wells Fargo has higher rates, so in combination with the shorter 0% rate period, Citi is more attractive in terms of fees.

Compare The Perks

Citi® Double Cash Card

citi double cash

  • Special Ticket Access: Citi Entertainment provides special access to purchase tickets including exclusive experiences and presale tickets. This includes concerts, dining experiences and sporting events.
  • Lost Wallet Service: If you lose your card, Citi will not only replace it within 24 hours but provide you with emergency cash.
  •  Protections – Citi offers protections such as 24 Hour fraud protection and $0 liability on unauthorized charges. If you suffer from an identity theft attack, the Citi team can help you to resolve the matter. 
  • No Caps and No Category Restrictions – Citi® Double Cash has no restricting categories to keep track of or to enroll in. There are also no caps on the amount of cash back you earn.
Wells Fargo Active Cash℠

Wells Fargo active cash card

  • Cell Phone Protection: If you pay your monthly cell phone bill with your card, you can get up to $600 of protection against damage or theft subject to a $25 deductible.
  • Zero Liability Protection: Like Citi, Wells Fargo also offers built in protections against unauthorized transactions with additional security features such as Voice verification.

Compare The Drawbacks

Before you make any financial decisions, it is important to be aware of the potential drawbacks and credit cards are no exception.

So, we’ll also examine any possible negatives of these two cards.

Citi® Double Cash Card

citi double cash

While in theory, both cards offer 2% rewards, the Citi Double Cash offers 1% immediately and you need to wait to receive the other 1%. So, unless you set up auto pay, if your bill is delayed in the post or you’re on vacation, you could easily miss out.

Although this card appears very similar to the Wells Fargo Active Cash, you don’t get a sign up bonus, which is certainly a drawback.

While both cards considered as a decent option for good credit customers, a lot of people don't pass the minimum requirements.

Wells Fargo Active Cash℠

Wells Fargo active cash card

Although this is a common factor between the two cards, Citi does allow its customers to convert rewards to Thank You Points from $1. So, if you are struggling to reach that $25 balance, it can be frustrating.

You will get 2% cashback across the board, with no higher cashback rates being available.

While there is a toll free number, it can be tricky to access customer support, as there are no live chat functions.

Compare Redemption Options

Citi also has several reward redemption options that include:

The Wells Fargo Active Cash redemption methods are:

  • Offset Eligible Purchases: You can use your rewards to offset eligible purchases on your credit card account from $1.60.
  • Account Credit: You can redeem your rewards as a credit to your Wells Fargo credit card, checking or mortgage account.
  • Gift Cards: There are gift cards options from a variety of retailers in $25 increments.
  • Cash: You can withdraw your rewards as cash via a Wells Fargo ATM in $20 increments.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How to Maximize Cards Benefits?

If you want to make the best use of your Citi Double Cash , there are some tips to help you:

  • Set up auto pay: To earn cash back with this card, you need to make the minimum due payment on time. This means that if there is a postal delay or you’re on vacation and are late with your payment, you’ll lose out. So, if you set up auto pay, you can be sure that each minimum payment will be made on time, and you can always make an additional payment manually later in the month
  • Check Citi Entertainment: If you enjoy sporting events, concerts and other ticket events, before you book, check with Citi Entertainment. You could access presale tickets and even exclusive experiences.
  • Utilize Alongside Other Cards: The Citi Double Cash card is great for having a high base cashback rate. You might have another cash back card that has a premium rate available for certain purchase categories that can give you a better overall return.

citi double cash

If you want to make the best use of your Wells Fargo Active Cash℠ , there are some tips to help you:

  • Utilize the Rewards: You should look at the most optimal way in which you can use the resulting rewards for your needs.

  • Maximize the Signup Offer: You should make sure that you take advantage of the great signup bonus that the Wells Fargo Active Cash Card offers.

  • Pay your cell phone bill with your card: You can enjoy up to $600 of theft and damage protection for your phone for free if you pay your bill with your card.

Wells Fargo active cash card

Customer Reviews: Which Card Wins?

Citi® Double Cash
Wells Fargo Active Cash℠
App Rating (iOS)
4.9
4.8
App Rating (Android)
4.7
4.8
BBB Rating (A-F)
F
N/A
WalletHub
3.5
3
Contect Options
phone/chat
phone/social
Availability
24/7
24/7

Satisfied borrowers report that Citi has excellent support in the event of unauthorized charges. There is a dedicated Identity Theft Solutions center that could help you in the event that you suffer from any fraud.

Negative reviews relate to the cash back rewards ratio, claiming that the current rate is quite low compared to other cards, especially those that offer rotating categories.

citi double cash

Satisfied customers report that Wells Fargo offers decent credit limits on Active Cash cards. If you have excellent credit, you should expect a high limit, which can be useful to maximize rewards and improve your credit utilization ratio.

Negative reviews highlight customer service issues. As we touched on above, Wells Fargo has limited methods to access support and there are comments that the overall service is poor. Additionally, there are reviews that discuss held payments, which means that you could incur interest even if you pay your bill in full.

Wells Fargo active cash card

When You Might Want the Citi® Double Cash?

The Citi Double Cash Card is a decent choice if:

  • You are prepared to receive half your cash back immediately and half later. This can be a good way to save your rewards, but if you want immediate gratification, this is not a good choice for you.
  • You need a little longer to pay down your balance transfers, as Citi gives you three months more than Wells Fargo
  • You’re confident that you can make your payments on time every month or you risk your rewards.
  • You enjoy concerts and other ticketed events and will appreciate the Citi Entertainment feature
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

What About the Wells Fargo Active Cash℠?

Wells Fargo Active Cash may be a good choice for you if:

  • You want to quickly collect rewards
  • You’re looking for a sign up bonus
  • You are happy to pay your cell phone bill with your card to access the free insurance.

Compare The Alternatives

.Although both cards appear similar with a simple reward structure, there are some key differences that will influence which card is the better choice for you.

However, there are a couple of alternatives that you may want to take a look before applying:

AMEX Blue Cash Preferred Card review

chase_sapphire_preffered

Capital One Quicksilver Cash Rewards Credit Card
Blue Cash Preferred® Card from American Express
Chase Sapphire Preferred® Card
Annual Fee
$0
$95 ($0 intro for the first year)
$95
Rewards
1.5% – 5% 5% percent cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all purchases everyday.
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
Welcome bonus
$200 $200 cash bonus once you spend $500 on purchases within 3 months from account opening
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Foreign Transaction Fee
$0
2.70%
$0
Purchase APR
19.99% – 29.99% variable
19.24% – 29.99% Variable
21.24%–28.24% variable APR

FAQ

It isn’t too hard to get a Wells Fargo Active Cash Card once you meet the outlined requirements. Therefore, you can get started today with minimal hassle.

There is no cap in place as to how much you are able to earn when it comes to the cashback rewards that you can get through the Wells Fargo Active Cash Card.

No out and out income requirements are required when you are applying for a Wells Fargo Active Cash Card and normally you will not have to provide proof of income.

You are able to redeem the rewards in numerous ways. This includes as statement credit, as cash, withdrawn at an ATM, or redeemed as a gift card. You can also use the rewards when paying through PayPal at an online checkout.

There is no limit in place with this card on how many total rewards you can earn. Therefore, people who will be spending large sums on purchases can ideally take advantage of this offering.

The initial credit limit of this card will normally be at least $500. The exact limit is going to be depending on your personal financial situation.

Compare Citi Double Cash Card

The flat rate cash back on Citi Double Cash Card is higher – but usually, it may not be the best option. Here's The Smart Investor analysis.

Citi Double Cash Card vs Chase Freedom Unlimited: Which Card Is Best?

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Citi Double Cash vs Chase Freedom Flex: Which Is Better?

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Citi® Double Cash Card vs Citi Custom Cash℠ Card : Which Card Wins?

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Wells Fargo Active Cash

Wells Fargo has recently launched a new set of credit cards, and these two are at the top of the list. Which of them offers more and is it worth it?

Wells Fargo Active Cash vs Reflect Card: Which One Wins?

The Wells Fargo Active Cash is best for cashback and everyday spending, while the Autograph is a clear winner when it comes to travel rewards.

Wells Fargo Active Cash vs. Autograph Card: How They Compare?

The Active Cash card offers flat-rate cashback, while the Unlimited card is the winner for travel. Here's a side-by-side comparison.

Wells Fargo Active Cash vs. Chase Freedom Unlimited

While the Quicksilver card offers unlimited flat-rate cashback rewards, the Active Cash card offers a higher cashback ratio. Let's compare.

Capital One Quicksilver vs. Wells Fargo Active Cash

While Discover it Cash Back offers higher cashback rewards for some categories, the Active Cash card is our winner. Here's why.

Discover it Cash Back vs Wells Fargo Active Cash: Side By Side Comparison

Review Cash Back Credit Cards

Picture of Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Best Cards Per Category
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.