Wells Fargo Cash Wise Visa® Card vs Citi® Double Cash Card

Last updated: 8 January 2020

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	Wells Fargo Cash Wise Visa® Card	Citi® Double Cash Card Rates & Fees
finder.com's rating
finder.com's rating	Not rated yet	★★★★★ 3.8 / 5.0
Best for
Best for	Flat cash back and a decent signup bonus	Highest unlimited cash back
Welcome offer
Welcome offer	$150 after spending $500 in the first 3 months	N/A
Rewards
Rewards	1.5% cash back on all purchases	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Purchase APR
Purchase APR	0% intro APR for 15 months, and then 13.99% to 25.99% variable	13.99% to 23.99% variable
Annual fee
Annual fee	$0	$0
Balance transfer APR
Balance transfer APR	0% intro APR for 15 months, then 13.99% to 25.99% variable	0% intro APR for 18 months, then 13.99% to 23.99% variable
Cash advance
Cash advance	APR: 23.99% to 25.99% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 25.24% variable Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	3% of each transaction	3% of each transaction
Late payment fee
Late payment fee	Up to $37	Up to $40
Additional cardholder fee
Additional cardholder fee		$0
Interest-free period
Interest-free period	25 days	23 days
Minimum interest
Minimum interest	$1	$0.50
Minimum credit score
Minimum credit score	670	670
Card type
Card type	Credit	Credit
Learn more
Learn more		Read review

Which card should you choose?

Wells Fargo Cash Wise Visa® Card

No annual fee
Unlimited 1.5% cash back
Earn 1.8% cashback for the first 12 months if you use the Android Pay or Apple Pay mobile wallet
Sign up bonus of $ when you spend $500 on purchases in the first 3 months

Citi® Double Cash Card

Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.

Compare credit cards

{"niche":"USCCF"}

Name	Welcome offer	Rewards	Annual fee
Citi® Double Cash Card	N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0	This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months months to pay off transfers.	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express	$150 after spending $1,000 in the first 3 months	2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	$0	Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Blue Cash Preferred® Card from American Express	$250 after spending $1,000 in the first 3 months	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	$95	6% cash back at US supermarkets. Rates & fees	Apply now View details	Compare	loading Fetching your data...
American Express Cash Magnet® Card	$150 after spending $1,000 in the first 3 months	1.5% cash back on all purchases	$0	Unlimited 1.5% cash back. Rates & fees	Apply now View details	Compare	loading Fetching your data...
TD Cash Credit Card	$150 after spending $500 in the first 90 days	3% on dining, 2% at grocery stores and 1% on all other eligible purchases	$0	3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees.	Apply now View details	Compare	loading Fetching your data...
Deserve® PRO	One-year Priority Pass™ Select membership when you spend $1,000 on purchases in the first 90 days	3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases	$0	This cashback travel card stands apart from standard travel credit cards because it comes with no annual fee and Priority Pass™ Membership.	Apply now View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at finder.com. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Previously, she edited and published educational articles on credit cards as an assigning editor at Credit Karma.

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