5 card will immediately give you $200 of value for hitting the SUB while a 2% card will have to take years to give you that same value you can get in just a couple. Welcome bonus: $200 bonus after opening a Rewards Checking Plus account and making three debit card transactions within 60 days of account. . 1% back on all purchases and 1%. Now Citi just made it official with the double cash and made it just like the custom cash. 5 - 5% cash back on purchases. com database is $181. The Wells Fargo Active Cash offers a $200 cash rewards bonus if you spend $1,000 within the first three months (roughly $334 a month) of account opening. Cardholders can now earn $200 cash back after you spend $1,500 on. With the Double Cash Card, however, you earn. The Wells Fargo Active Cash card comes with a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 20. 24%, 25. You'll find great stories as well as horror. Main content; Search; Account The Citi Double Cash Card charges several common fees you should know about, including: Annual fee: $0. One difference is that Wells Fargo offers a shorter 0% introductory rate. Both cards offer 2 percent cash back on all purchases, but offer different benefits. Alternative Wells Fargo Cash Back Credit Card. Cash rewards cards that earn 2 percent on purchases aren’t unheard of, but the Active Cash card cuts the strings typically attached to that sky-high rate and leads the pack when it comes to. Wells Fargo Active Cash® Card is a great card that also has a simple rewards structure. Who the. (SUB + 2% of 10K) same spend but double the rewards. CIT Bank’s eChecking account requires a minimum opening deposit of $100, but you can earn a greater yield with a greater balance. 24% - 29. 6 min read Sep 08, 2023. Annual fee. It offers a whopping 2%. To learn more, please visit Wells Fargo Balance Transfers. Citi® Double Cash Card : Best 2% cash back card for balance transfers. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. This is my default cashback combo that I would honestly be happy with using. The Wells Fargo Active Cash® Card is an exception. For a $0 annual fee, the card earns 2% cash. Citi Double Cash v. Citi Double Cash Card vs. The Wells Fargo Platinum Card had a 0% intro APR offer that differed from the one currently available with the Active Cash Card. 24% or 29. If you want both, I'd say apply citi then wells fargo (even same day, WF doesn't care about velocity). Its score was 805, just a few points below the national average for credit card issuers. The Wells Fargo Platinum card does not come with any rewards, either as an initial sign-up bonus or for ongoing purchases. AC has an interest-free promo period on purchases and BTs, where DC’s promo is only for BTs. Citi® Double Cash Card: Best for pairing. Unlike. Like the Power Cash Rewards, the. Earn a $200 cash rewards bonus after spending $500 in purchases in the first three months. At. The Wells Fargo Active Cash® Card also comes with a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening, while the Citi® Double Cash Card. One of the best cards for online shopping is the Citi Double Cash ® Card where you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12. 2% card, and Custom Cash into a 5. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Wells Fargo Active Cash® Card (rates and fees). 5%). Points are worth 50% more when redeemed for. The Citi Double Cash has no SUB. 24%, 25. S. 01 in any bank, or you can transfer points to a few airlines / hotels. The Citi Rewards+ is a great complement to the Double Cash and/or the Custom Cash. Wells Fargo Active Cash® Card. Wells Fargo Secured. Wells Fargo Active Cash® Card. Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. Capital One Quicksilver; Chase Freedom Unlimited vs. 1. Citi has a "Double Cash" card that pays 2% with no requiring of maintaining an account. Its main benefits are earning a steady 2% back on all purchases and a $0 annual fee. The value of a 1. 74%,. Best Overall Balance Transfer Credit Card: U. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. 99% Variable APR. If you're looking to make a large purchase. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and without any hoops to jump through. Wells Fargo Active Cash® Card. Amex Blue Cash Everyday is a better credit card because it offers cash back rewards, as there’s no difference between the cards’ fees or low-interest promotions. With Citi Double Cash the $25 is the redemption minimum, so once you accrued over $25, you can redeem the entire cash back balance. As you get the entire 2% back two days after the statement cycle closes. The Wells Fargo Active Cash® Card comes with a good array of benefits, which include cell phone protection, roadside dispatch, travel emergency assistance,. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). . The Citi Double Cash Card provides cardholders with 2% cash back for their purchases, one of the best flat rates available. Alternative Cards to the Wells Fargo Active Cash Card Citi Double Cash. The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period. The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. Wells Fargo Active Cash® Card The Costco Citi Card earns 2% cash back at Costco, but only a paltry 1% cash back on non-category purchases. The $18,088. Though we value Capital One miles at around 1. . Aside from the credit card partnership, they actually do own a portion of the company. 1 day ago · What is a negative credit card balance? A negative credit card balance is a balance below zero. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. For context, the average annual rewards payout from the cashback credit cards in the investor. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Wells Fargo is stingy on credit limits. Earn an unlimited 2% cash back on every single purchase. Wells Fargo Active Cash® Card is a great card that also has a simple rewards structure. The WF card is a true 2% card with no gimmick of 1% now and 1% later and it is a visa card which is usable in Costco unlike the Mastercard Double Cash. yeah i was thinking of that option as well, to me i’m deciding between autograph or Citi Custom Cash for my next card. Never has been a problem with Wells FargoWells Fargo Active Cash® Card;. Once the introductory period is over, the regular APR ranges from 19. That describes the Citi Double Cash® Card. 24% variable APR;. Downside is that redemptions can only be made in $25 increments, where earned Citi DC rewards can be redeemed in any amount. Wells Fargo Active Cash ® Credit Card. Credit Card by. The card gives 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months. No annual fee: The Wells Fargo Reflect Card has a $0 annual fee, and the Active Cash Card has a $0 annual fee. You must select Apply Now on this page to take advantage of this specific offer. 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. Rewards: 2% cash back on all purchases for PenFed Honors Advantage. Also, if I recall correctly, another bonus of the Wells Fargo Active Cash card over the Citi Double Cash card, is that new accounts get 15 months 0% APR on purchases, and the Citi card does not. Wells Fargo Active Cash® Card. Wells Fargo Active Cash® Card. Unlike. Citi® Double Cash Card. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Simply pick up the phone to call Visa Signature Concierge. Here’s an overview of how cash back works on credit cards: Earn a percentage of the amount paid every time you make a qualifying purchase with your cash back credit card. Citi Double Cash Card. Cardholders earn 5% back on the first $1,500 on quarterly bonus purchases (once activated) like. The Wells Fargo Active Cash ® Card, a 2% unlimited cash-rewards card with no annual fee, is sure to be one of the most popular options among flat-rate cash-rewards cards on the market. The Citi Double Cash® Card has an annual fee of $0 and earns 2% cash back on all purchases—1% when purchases are. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. Wells Fargo Active Cash® Card vs. Using this card. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back cards. Citi Double Cash (2% catch all) US Bank Cash+ (5% on two choice categories - Streaming and Utilities for me). Though not quite as straightforward as a flat 2% cash-back card, the Double Cash rewards 2% cash back on all purchases—1% when purchases. But Citi Double Cash gives 1% cash back on all purchases, plus another 1% back when cardholders pay their Double Cash bill each month. Cash Wise Visa has 1. The Citi® Double Cash Card is a $0 annual fee credit card that earns 1% back on all purchases and 1% back when you pay off those purchases. Citi Custom Cash Card vs. Simply pick up the phone to call Visa Signature Concierge. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). Citi Simplicity cons. TD Double Up rewards. $0 annual fee. With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Wells Fargo Active Cash is a great credit card to compare because it has a $0 annual fee and rewards cardholders with 2% cash rewards on all purchases. Jump to. 24%, or 29. If you plan to get the Citi trifecta get Double Cash because it earns ThankYou puts that you can use for travel and potentially get more than 2%. Generally, Wells Fargo has higher rates, so in combination with the shorter 0% rate period, Citi is more attractive. Citi Double Cash. Costco Anywhere Visa® Card by Citi: Best for Costco. 24% to 28. That being said, I don’t use this setup. Currently, the Citi Double Cash doesn’t. Up to 2% cash back. Citi Double Cash and SoFi. (on up to $6,000 in each category per year. Slickdeals. Citi® Double Cash Card. Wells Fargo Active Cash® Card Best cards to pair with the Citi Double Cash Card When pairing credit cards, it’s best to choose a card that supplements and even makes. So that’s 2%. Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus. Costco Anywhere Visa® Card by Citi *: Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year, then 1% thereafter, 3% cash back on restaurants and eligible. 24% - 29. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. FNBO Evergreen (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. coopdude • 3 days ago. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. 50 spent through Apple Pay would translate to $361. See related: Wells Fargo Active Cash vs. You simply swipe your card and let the cash back rewards pile up. Specifically, this card offers a 0% intro APR for 15 months on purchases and on eligible balance transfers, then a variable APR of 17. Unlimited 2% cash back (you earn 1% when you make a purchase and 1% when you pay it off on time) Welcome offer of 20,000 ThankYou® Points, redeemable for. It essentially means you have 0% cashback until you spend exactly $1,250 to reach the $25 increment. The Citi Double Cash® Card is a top-notch choice for everyday use, due to its simple and generous rewards. Just PC'd the wells fargo 1% cash card (got it in college) to active cash, and now changing double cash to custom cash. Citi® Double Cash Card: Best for pairing. Recommended Credit Score. Whereas with WF Active Cash you can only redeem cashback in increments of $25. Citi Double Cash® Card vs Wells Fargo Active Cash® Card. Synchrony Premier World Mastercard® * vs. 5 card + SUB is worth more in the short term than a 2% card in th short term, the 1. Finally, if you'd rather just earn a high rewards rate on everything, the Citi Double Cash® Card (see rates and fees) might be the ticket. Wells Fargo. Capital One Quicksilver Cash Rewards. 24%. Citi Custom Cash® Card. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Citi Double Cash Card vs. The Citi Double Cash card's simple cash back structure and long-lasting balance. 2% cash rewards on purchases. $0. The annual rewards payout assumes you charge $1,000 each month spread across. If you're looking to make a large purchase. The Citi Double Cash and Wells. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. A Penny Pinchers Guide to Personal Fi…Here you will find the Wells Fargo Active Cash vs Citi® Double Cash Card comparison where we will evaluate the features, fees, rewards and other benefits of both the cards and compare both of them. 24% - 29. Take a look at this table to quickly compare the primary benefits of. The Chase Freedom Unlimited card offers everything Capital One Quicksilver does, plus a few extra bonus rewards categories and other perks. Of all the flat-rate cards, the Wells Fargo Active Cash® Card is often touted as the best. That beats the base earning rate of 1. 99%. If you typically receive an annual. Annual fee: $0. Historical Offers Chart. Chase Sapphire Preferred;No annual fee. No annual fee. An introductory APR of 0% for 15 months from account opening on purchases ( 20. It offers 1. 5% all purchass. Finally, they cash out at a standard . The Freedom Unlimited card is a good choice if you’ll spend on select travel via the Chase travel portal, on dining, and at drugstores. 3. 5 card + SUB is worth more in the short term than a 2% card in th short term, the 1. The Wells Fargo Active Cash® Card, which launched in July 2021, has quickly distinguished itself as one of the best cash-rewards cards on the market. Citi Diamond Preferred highlights. I have had no major issues with using WF cards. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). The Citi Double Cash and Wells Fargo Active Cash have similar earning rates and no annual fee, but one offers more benefits. Citi is better due to points games (rewards+ = 10% bonus) etc. The Citi Double Cash Card offers a simple rewards system. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Generally, you earn the cash-back rewards as a percentage of eligible purchase amounts — a 2% cash back. Citi Custom Cash Card vs Wells Fargo Active Cash Card 2023 Written by investor. Citi Custom Cash Card vs. ProsDoorDash Rewards Mastercard® vs. 8 cents each, they can be worth much more when transferred to travel partners. The Wells Fargo Active Cash® Card is making a splash among the growing list of 2% flat-rate cards on the market. 1. )Time Codes:0:00 - Intro0:54 - Who benefits from these cards?1:30 - How the 2% is earned1:52 - WF vs. Easy-to-earn sign-up bonus. The Wells Fargo Active Cash card offers 0% APR for 15 months, while the Citi Double Cash Card offers 0% APR for 18 months on balance transfers, so the Citi card would give you more time to repay. They usually give me less than half of the limits I get from Citi. Wells Fargo Active Cash vs. Wells Fargo Active Cash (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months 1 The Wells Fargo Active Cash card offers 0% APR for 15 months, while the Citi Double Cash Card offers 0% APR for 18 months on balance transfers, so the Citi card would give you more time to repay. Citi Double Cash vs Wells Fargo Active Cash. Who the Wells Fargo Active Cash Card is Best For. DoorDash Rewards Mastercard® vs. Double Cash might be better for a traveler because of the transfer partners it has and the potential to combine points with Citi Premier. Citi® Double Cash Card. Bank of America loyalists. Citi Double Cash Card vs Citi Custom Cash Card. You have the right. If you're looking for a major bank that's free of scandals, it doesn't exist. The Wells Fargo Active Cash is probably the most comparable card to the Citi Double Cash, yet. Because the Citi Double Cash and Wells Fargo Active Cash cards both earn 2 percent cash rewards on purchases, your earnings potential is the same with both cards. For a limited time, earn 5% total cash. If you want the most versatile reward of them all—plain old cash, then the $0-annual-fee Citi Double Cash® Card offers a hassle-free 2% cash back on all purchases—1% when purchases are made. With the Wells Fargo Active Cash, the same. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. The Double Cash card usually offers a small welcome bonus. 00 with Wells Fargo Active Cash Card. The annual rewards payout assumes you charge $1,000 each month spread. The Citi Double Cash Card earns a net 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. Citi’s Double Cash Card lets you earn a net of 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid. The only caveat is that there's a $2,500 combined spending limit on the 3% and 2% categories each quarter, after which you'll earn just 1% back. Citi Double Cash Caret Down While the Citi Double Cash is a comparable 2 percent cash back card, you could earn less than 2 percent rewards if you aren’t on top of. The Wells Fargo Active Cash® Card offers an unlimited 2% cash back on all purchases and has an annual fee of $0. Citi Double Cash® Card Those seeking a balance transfer card with longevity past the 0% APR period will find the no-annual-fee Citi Double Cash more attractive than. Like the Active Cash, the Citi Double Cash offers a flexible rewards program. Wells Fargo Reply BrutalBodyShots • Additional comment actions. This bonus offer will be fulfilled as 20,000. I miss out on on the $300 intro bonus but will be going for the CSR this summer to complete the Chase Trifecta. There are no category restrictions and cash rewards don’t expire as long as your account remains open. Since its release, the Wells Fargo Active Cash® Card has quickly become a standout in the flat-rate category due to its unlimited. Its rewards rate of 2% cash rewards on purchases is ideal for someone whose spending. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. the Wells Fargo Active cash is the introductory APR offers. Given that several banks offer credit cards earning 2% on all. On the Citi Double Cash Card, you’d earn $100 in cash back for the month on $5,000 in spending after paying your bill in full. After that, an 19. The Wells Fargo Active Cash offers a $200 cash rewards bonus if you spend $1,000 within the first three months (roughly $334 a month) of account opening. The Bank of America® Unlimited Cash Rewards credit card is a no-nonsense card that offers 1. So I'm looking at cards that always provide at least 2% cashback regardless of category. Wells Fargo Reflect® Card. Welcome Bonus. 99%. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. Though we value Capital One miles at around 1. You will earn unlimited 2% cash rewards on all of the purchases that you make. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). 6 min read Sep 08. With the Wells Fargo Active Cash Card you get a similar $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. With the Citi Double Cash Card, you’ll earn 1% cash back when you make a purchase and an additional 1% when you pay off your balance. The card earns a flat 1. Both the Citi® Double Cash Card and the Fidelity® Rewards Visa Signature® Card charge no annual fee and offer cardholders a solid 2% cash back (the industry standard is 1. Citi Double Cash vs Wells Fargo Active Cash: 2% Credit Card. But if you spend $10000 with this new card, you’ll get $400. 3. I have had no major issues with using WF cards. This effectively turns the Double Cash into a 2. And there is no cap on how much cash. Quicksilver offers 1. Chase Freedom Unlimited®: Best for Bonus. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). You get 1% cash back when the purchase is made, and the. But if you are looking for something that might be better I think the new PayPal credit card, which isn't available yet, would be a strong consideration. 84 that could reasonably be charged to a credit card would earn $168. A number of other flat-rate cash-back cards earn 1. Crucially, there's no FTF, unlike the Citi Double Cash, Paypal Cashback, or Wells Fargo Active Cash. You shouldn't be "applying" for double cash. ) has been far better than Synchrony Bank on my Sam's Mastercard. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. Skip Navigation. For context, the average annual rewards payout from the cashback credit cards in the investor. Downside is that redemptions can only be made in $25 increments, where earned Citi DC rewards can be redeemed in any amount. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. The Wells Fargo Platinum offered a 0% intro APR on qualifying balance transfers for. S. Alliant Visa® Platinum * vs. Best for 2% Cash Back: Wells Fargo Active Cash® Card. Best. It also earns an unlimited 2%. It also offers a. The Citi Double Cash card's simple cash back structure and long-lasting balance. Blue Cash Everyday ® Card from American ExpressTD Double Up Credit Card vs. The Chase Freedom Unlimited requires you to spend $500 in the first three months while the Wells Fargo Active Cash requires $1,000 in spending in the first three months. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). When your balance is negative on a credit card, it means you’ve paid more than you currently owe. Otherwise, I like WF Active Cash because of the bonus and Wells Fargo's customer service. Wells Fargo Active Cash Card. Wells Fargo Active Cash and Wells Fargo Autograph. Special Offer. Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. Aside from the annual fees (the Amex Blue Cash Preferred Card has an annual fee of $0 intro for the first year, then $95, while the Blue Cash Everyday® Card from American Express has no annual. Citi Double Cash. » MORE: Credit cards that earn 2% cash back or more on purchasesA prime choice would be the 2 percent cash rewards rate from the Wells Fargo Active Cash card or the similar Citi Double Cash® Card since it earns up to an unlimited 2 percent cash back (1. American Express Blue Cash Everyday: 3x groceries, online purchases, gas. Intro APR on balance transfers: The Reflect Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18. Wells Fargo, making a stronger push into the credit cards business, has introduced one of the most compelling flat-rate credit cards on the market. Bank Cash+® Visa Signature® Card. You’ll get the full bonus sooner from Wells Fargo Active Cash, while the Chase Freedom Unlimited card’s bonus is slightly more valuable. This portal only worked with cards that get cash rewards like the Dividend and the Double Cash. The Citi Double Cash Card is one of the simplest and most valuable credit cards available. Bank Visa® Platinum Card *. Lyft Pink All Access benefits include 10% off Lux rides, free priority pickup upgrades, cancellation. Certainly any big regulatory changes, particularly on interchange fees, could make any 2% card non-viable, but personally if I were looking for a new 2% card the Double Cash would probably beat out the Evergreen and the Active Cash. 3. This card doesn’t have any bonus categories as tiered rewards cards do. Its main quirk is how the card. $0. Earn $200 cash back. Wells Fargo Active Cash ® Card vs. Wells Fargo Active Cash vs. What you should expect to be given when managing a credit card. I hate that my Active Cash does this. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. 5 card will immediately give you $200 of value for hitting the SUB while a 2% card will have to take years to give you that same value you can get in just a couple months conversely The Active Cash is probably better on its own overall, especially due to the SUB. The Active Cash earns 2% cash. Learn more: Citi® Double Cash Card. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. One big reason why the Citi Double Cash Card wins this matchup is that it offers a very generous ongoing rewards rate: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash. Credit Cards. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). The Citi Double Cash® Card (see rates and fees) is considered one of the best cash reward cards on the market. Annual fee: $0. That’s a total of 2% cash back on everything you. New cardholders can also earn a $200 cash rewards bonus after spending $500 in purchases within. Citi Custom Cash vs Double Cash - One card only, which to choose?. 01 in any bank, or you can transfer points to a few airlines / hotels. Wells Fargo Active Cash $200 offer; Wells Fargo Active Cash $250 offer: in branch;Wells Fargo Active Cash® Card. After that, the standard variable APR will be 19. Citi Diamond Preferred highlights. 0% intro APR for 15 months on purchases and qualified balance transfers (subject to either $5 or 3% of the amount of each balance transfer, whichever is greater). The Wells Fargo Active Cash looks like it might be the best, especially with its $200 signup bonus, but redeeming in $25 increments is kind of a deal breaker for me. Welcome bonus: Earn a $250 statement credit after spending $3,000 in purchases in.