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CardCurator — Rewards Intelligence
Card Comparison

Citi Thank You vs Wells Fargo Active Cash

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

Citi Thank You card art
Citi ThankYou Points
Citi Thank You
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
None
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Gas Stations 5x
  • All Other Purchases 1x
  • All Purchases 2x
Reward Type
miles
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 Thank You vs Wells Fargo Active Cash

Is the Citi Thank You 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 Thank You 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?

Citi Thank You 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 Thank You 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 Thank You is from Citi and Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.