Cash back · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
The Active Cash is a flat 2% card like the Double Cash, with one difference that matters: the $200 bonus needs only $500 in spending in three months, a third of Citi's requirement. Rewards are cash, redeemable in any amount. There is no fee and nothing to track.
It charges 3% on foreign purchases and has no bonus categories, so it works best as the card that covers everything your category cards do not. Pair it with the Wells Fargo Autograph for dining and travel if you want to stay with one bank.
Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
The Active Cash Card offers you a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties. Benefits include room upgrade, late check-out and complimentary breakfast. Visit Visa Signature Hotel Collection7 and learn more.
These come from Visa, not from Wells Fargo. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Get assistance with travel planning, entertainment tickets and more.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Wells Fargo Active Cash®This card · 2% on everything | None | $492 | +$492 | 284th of 1,291 |
| Citi Double Cash®The same 2%, with a bigger bonus requirement · 2% on everything | None | $492 | +$492 | 282nd of 1,291 |
| Wells Fargo Autograph℠ 3x in six everyday categories with no fee · 3x on dining | None | $450 | +$450 | 307th of 1,291 |
| Chase Freedom Unlimited® Credit CardA 1.5% base but 3% on dining and drugstores · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
