X1 Card vs. Wells Fargo Active Cash® Card
If you prefer a card with a simpler rewards structure and intro APR on purchases and balance transfers, the Wells Fargo Active Cash® Card is a great alternative. The card lets you earn unlimited 2% cash rewards on purchases. Plus, you’ll earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Rewards can be used:
- To cover past purchases (can be as little as $1)
- As a credit to a qualified Wells Fargo credit card, checking account or mortgage
- For cash in $20 increments at an ATM (when you use your Wells Fargo ATM or debit card)
- Toward gift cards from a variety of retailers
This $0-annual-fee card offers a 0% intro APR for 15 months from account opening on purchases, then a 20.24%, 25.24%, or 29.99% variable APR. There’s also a 0% intro APR for 15 months from account opening on qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR.
X1 Card vs. Citi® Double Cash Card – 18 month BT offer
Similar to the Wells Fargo Active Cash® Card, $0-annual-fee Citi® Double Cash Card offers a flat cash back rate on every purchase.
You’ll earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Rewards can be redeemed for cash back as a statement credit, direct deposit, check, travel or gift cards or transferred to a few of Citi’s hotel and airline partners.
The Citi® Double Cash Card doesn’t offer an intro APR on purchases, but it does have a slightly longer intro APR on balance transfers than the Wells Fargo Active Cash® Card. New cardholders get an intro APR of 0% for 18 months on Balance Transfers. After that, a 19.24% - 29.24% (Variable) APR applies.
But besides $0 fraud liability, this card lacks the robust benefits and protections offered by the X1 Card. Additionally, it charges foreign transaction fees if you use it to make purchases outside the U.S.