Citi Double Cash® Card vs. Wells Fargo Active Cash® Card
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The
Wells Fargo Active Cash® Card offers a similar rewards rate to the Citi Double Cash
® Card but exceeds it in almost every way.
The Wells Fargo Active Cash® Card has no annual fee and lets you earn unlimited 2% cash rewards on purchases. It also offers a sign-up bonus and an introductory APR on both balance transfers and new purchases. Plus, it has cellphone protection of up to $600. Not to mention, it pays the full amount of cash back as soon as you make a purchase, rather than making you wait for half of your rewards. This may make the Wells Fargo Active Cash® Card an all-around better option for simple, flat-rate cash back.
Citi Double Cash® Card vs. Chase Freedom Unlimited®
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The
Chase Freedom Unlimited® is a $0-annual-fee card that also provides a flat rewards rate. On the surface, its rewards rate looks lower than the Citi Double Cash
® Card. However, the bonus categories the card does offer like restaurants, drugstores and Chase Travel
SM can end up earning you more rewards in the long run.
It also comes with better shopping and travel protections, like auto rental coverage and travel and emergency assistance. Plus, if you have a Chase Ultimate Rewards®-earning card, then you can use this card to earn points instead of cash back — which makes it even more valuable.
Citi Double Cash® Card vs. Capital One Savor Cash Rewards Credit Card
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The
Capital One Savor Cash Rewards Credit Card can potentially beat the cash back earned with the Citi Double Cash
® Card, thanks to its generous earnings on food-related purchases. You’ll earn 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases.
If you spend an average amount on dining and groceries, then the Capital One Savor Cash Rewards Credit Card could be a better card for you than the Citi Double Cash® Card. An elevated rewards rate, even with a cap, can result in bigger earnings than a flat rewards rate depending on your spending.