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CardCurator — Rewards Intelligence
Card Comparison

Citi Custom Cash vs Wells Fargo Active Cash

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Custom Cash card art
Citi ThankYou Points
Citi Custom Cash
Citi
More Info
Wells Fargo Active Cash card art
Wells Fargo Cash Rewards
Wells Fargo Active Cash
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
$200 credit
Spend $1,500 in 6 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Top Eligible Category 5x
  • All Other Purchases 1x
  • All Purchases 2x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
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Common Questions: Citi Custom Cash vs Wells Fargo Active Cash

Is the Citi Custom Cash or Wells Fargo Active Cash better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Citi Custom Cash currently offers $2 signup bonus (spend $1,500 in 6 months). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Both bonuses are roughly equal in value.

Which card is better for international travel?

Citi Custom Cash charges no foreign transaction fees — the better pick for international use. Wells Fargo Active Cash charges 3% on foreign purchases.

Can I hold both the Citi Custom Cash and the Wells Fargo Active Cash?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Custom Cash is from Citi and Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.