Wells Fargo Active Cash® Card
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Citi® Diamond Preferred® Card
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8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.1MyCreditCardLab Score
MyCreditCardLab Score 8.1We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.24%-28.99% Variable APR |
| REGULAR APR | |
| 20.24%, 25.24%, or 29.99% Variable APR | 18.24%-28.99% Variable |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Earn a $200 cash rewards bonus after spending $500 in the first 3 months. | This card does not offer a welcome bonus |
| REWARDS | |
Wells Fargo Active Cash® Card Rewards program is renowned for its flexibility in credit currency. Explore various redemption options for your earnings, including:
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Citi® Diamond Preferred® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
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| BENEFITS | |
| Cellphone protection - Get peace of mind with free cellphone protection. You get it when you pay your cellphone bill with the Active Cash card each month. It protects against damage and theft. It covers up to $600 per claim. The deductible is $25. Other cards have a $50 deductible. Visa perks - Unlock exclusive Visa perks with the Wells Fargo Active Cash® Card. Access Visa Concierge for help with travel, dining, and event tickets. Also, enjoy the Visa Signature Luxury Hotel Collection. It offers special benefits. These include room upgrades, free breakfast, and more at select hotels. Unlimited Cash Back - Earn unlimited 2% cash back on purchases with no categories or caps. 2% is a very good reward point. especially if you have daily or frequent online purchase so this card is best for you. earn reward points you can utilize for others you need. it's good saving for you. No Annual Fee - Experience the card's benefits without worrying about an annual fee. Introductory APR - You benefit from an introductory APR on purchases and balance transfers. It lasts for first 15 months. Also for balance transfer 3% for 120 days from account opening. | Free access FICO® Score - Get free access to your FICO® Score online. ID theft protection - This applies to the Citi Diamond Preferred® Card. if you use most of your payments using a credit card this feature is best for you. However, Citi may offer identity theft resolution services. They help cardholders if they become identity theft victims. $0 fraud liability - Era of Technology, You get standard security features. They include $0 liability for unauthorized charges. You also get contactless payment. It adds convenience and security. EMV chip technology - This feature is useful for today. The card may have EMV chip technology. It makes unique codes for each purchase. This lowers the risk of counterfeit card fraud. Citi Entertainment - You can get into special events, presale tickets, and exclusive entertainment experiences through Citi Entertainment®. It makes being a cardholder better with unique entertainment. |
| CASH ADVANCE FEE / APR | |
| 29.99% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater | Either $10 or 5% of the amount of each transfer, whichever is greater |
| BALANCE TRANSFER FEE | |
| 21.49%–28.49% variable, plus a fee of either $5 or 5% of the amount of each transfer, whichever is greater | APR: 18.24% to 28.99% variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | 3% |
| BEST FOR | |
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| More Details | More Details |
Wells Fargo Active Cash® vs. Citi® Diamond Preferred®
Easily compare up to three credit cards side by side with our intuitive comparison tool. Assess features, offers, and more to find the best fit for your financial needs.