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CardCurator — Rewards Intelligence
Card Comparison

Citi Simplicity vs Wells Fargo Active Cash

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

Citi Simplicity card art
Citi ThankYou Points
Citi Simplicity
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
3%
3%
Signup Bonus
None
20,000 points
Spend $500 in 3 months
Top Earn Rates
1x base rate
  • 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 Simplicity vs Wells Fargo Active Cash

Is the Citi Simplicity 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 Simplicity currently offers no current bonus. Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Wells Fargo Active Cash has the larger bonus.

Which card is better for international travel?

Both cards charge foreign transaction fees (Citi Simplicity: 3%, Wells Fargo Active Cash: 3%). Consider a no-foreign-fee card for international travel.

Can I hold both the Citi Simplicity 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 Simplicity is from Citi and Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.