If Wells Fargo Rewards allowed you to transfer points 1:1 with BILT Rewards, I think that'd be a huge competitor to Chase / Citi / CapOne / AmEx. Will have a lot of good categories above 2% and the active cash for everything else this way. 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. 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. The Citi Double Cash is a popular cashback credit card because of its excellent earning potential. Whereas with WF Active Cash you can only redeem cashback in increments of $25. hotels, Airbnb, Uber/Lyft, taxi), and streaming, and Wells Fargo active cash for 2% on everything else, like Costco. Not a banking app, just through PayPal (which most people already have). The Wells Fargo Active Cash signup bonus sees you getting a cash bonus of $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. Uber/Lyft, transit, and streaming. The closest cash back card the Googles is telling me is the Wells Fargo active cash card which is at 2%, but I know Wells Fargo is a shady piece-of-shit company with lots of scandals and pending class action law suits. The Citi Double Cash® Card (see rates and fees) is considered one of the best cash reward cards on the market. Cash-back rewards. The Wells Fargo Active Cash Card is a competitive addition to that short list, one-upping the terms of the Wells Fargo Cash Wise card and comparable to the established Citi Double Cash Card, another $0 annual. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. 3. But the Wells Fargo Active Cash Card has similar earning potential and adds some additional benefits to sweeten the deal. The card gives 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months. Also, cash back rewards do not expire as long as your account stays open. It is also possible Wells Fargo cash back options will be less user-friendly than some other cards (i. (Though paying statement balances in full. And there is no cap on how much cash. Annual fee: $0 intro annual fee for the first year, then $95. Bonus Card Option: Wells Fargo Active Cash Card. Really covers almost everything, and then Wells Fargo active cash for 2% back on everything else, and the rewards pool with the autograph. Rewards: 2% cash back on all purchases for PenFed Honors Advantage members and 1. Bottom Line: Both the Freedom Unlimited card and Double Cash card offer straightforward simplified earning structures. 24%, 25. So for example if you have $45 accrued, you can only redeem $25 and will have $20 left. Specifically, this card offers a 0% intro APR for 15 months on purchases and on eligible balance transfers, then a variable APR of 17. gas stations, and online retail purchases in the U. The Double Cash card usually offers a small welcome bonus. Citi Double Cash. Apply Now. When your balance is negative on a credit card, it means you’ve paid more than you currently owe. Bank of America Unlimited Cash Card vs. 10% APY, while those with a. Reply. Flat-rate cards earn the same percentage on every purchase—typically 1% to 2% cash back on all spending. Chase Freedom Unlimited vs. Both cards offer 2 percent cash back on all purchases, but offer different benefits. Citi® Double Cash Card : Best 2% cash back card for balance transfers. After that, an 19. Credit. Simply pick up the phone to call Visa Signature Concierge. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. yeah i was thinking of that option as well, to me i’m deciding between autograph or Citi Custom Cash for my next card. For a $0 annual fee, the card earns 2% cash. Citi Double Cash vs Wells Fargo Active Cash. Plus, the card offers an initial bonus of $200 cash rewards after spending $500 in the first 3 months. CDC which cashback is better2:24 - Annual Fee and Foreig. 5 - 5% cash back on purchases. As a one card setup, I would go with Active Cash because of the $200 bonus and cell phone insurance. Wells Fargo Secured. Annual fee: $95. 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. I'm very happy with this change. For your hypothetical, I’d suggest a Citi Double Cash and Citi Costco Visa Maximize cash back and points: 2x base using the Double Cash 3x dining, flights, hotels and car rental 4x gas. 24% or 29. Never has been a problem with Wells FargoWells Fargo Active Cash® Card;. Wells Fargo Active Cash and Wells Fargo Autograph. Use our table to compare your Wells Fargo credit card options and get a sense of which one is best for you. (on up to $6,000 in each category per year. See how it works. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. Citi® Double Cash Card: Best for pairing. 00 with Wells Fargo Active Cash Card. As you get the entire 2% back two days after the statement cycle closes. S. Citi Double Cash® Card. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. The Citi Double Cash Card is the winner over Discover it® Cash Back. The Wells Fargo Active Cash® Card also has an intro APR offer (0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, then a 20. While many credit cards offer flat-rate cash back, the Citi Double Cash is one of the few other cards that offers an effective 2% cash back on. Citi® Double Cash Card. 77 in cash back, and the remaining $16,831. Citibank’s and Wells Fargo’s checking accounts are standard for large, national banks, and both banks offer a sign-up bonus. 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. Earning rates. Citi Double Cash Card vs Citi Custom Cash Card. 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. Excellent, Good, Fair. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. However, Chase Freedom Unlimited outpaces Wells Fargo Active Cash with higher rewards rates in. To learn more, please visit Wells Fargo Balance Transfers. Citi Double Cash Card vs. Currently, the Citi Double Cash doesn’t. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. 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. If you're looking for a major bank that's free of scandals, it doesn't exist. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. The Wells Fargo Active Cash® Card is an exception. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. The Wells Fargo Active Cash® Card is definitely worth it for anyone with good credit or better who wants a $0 annual fee credit card with cash back rewards. 1. After that, the standard variable APR will be 19. 24% - 29. The Wells Fargo Active Cash Card doesn’t offer travel or purchase protections like the Amazon Visa card, but it does include cellphone protection if you pay your cellphone bill with the card. Overview of the best 2% cash Back credit cards. 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. 24% to 29. TD Double Up rewards. Intro APR of 0% for 12 months from. The Citi Double Cash Card charges several common fees you should know about, including: Annual fee: $0. 24%. And Wells Fargo no longer has a minimum rewards redemption requirement. You must select Apply Now on this page to take advantage of this specific offer. 24% or 29. 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). Both cards offer a $200 welcome offer bonus. Cash Wise Visa has 1. Pros Generous 18-month 0% introductory APR on balance transfers Flat cash-back rate No annual fee Cons Charges foreign transaction fees No added. 24%, 25. Learn More About the Active Cash HERE: “Show More” to see my Favorite Financial Tools MY FINANCIAL TOOLS 💳 Credit Car. A balance transfer fee of up to 5% of the each. ”. Assuming that this. The Citi Double Cash card's simple cash back structure and long-lasting balance. com purchases. Citi Double Cash. Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. With the Double Cash Card, however, you earn 1% when you make the purchase and. Citi Double Cash. The Wells Fargo Active Cash® Card carries no annual fee and earns an easy-to-track 2% cash rewards on purchases. Compare The Drawbacks No credit card or financial product is without possible drawbacks, and it is important to be aware of the potential negatives before you make a final decision about which card is. These are the popular cards that most people can accessibly earn a good flat-rate cash back. coopdude • 3 days ago. Citi Double Cash has a $25 minimum amount redemption. Though we value Capital One miles at around 1. 1. 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. See the pros and cons of each card and how to choose. Other options include the ability to redeem for cash at a Wells Fargo ATM (in $20 increments) or for gift cards (in $25 increme nts). They usually give me less than half of the limits I get from Citi. $200 SUB with $500 spend on the WF AC, vs. Of all the flat-rate cards, the Wells Fargo Active Cash® Card is often touted as the best. supermarket purchases -- one of the best cash-back rates around for that category -- is the driving force behind the Blue Cash Preferred’s usefulness. 5% all purchass. 24% (Variable) APR applies. Wells Fargo Active Cash vs Chase Freedom Unlimited. Welcome bonus: Earn a $250 statement credit after spending $3,000 in purchases in. 3. No annual fee. Some of the PayPal card’s top competitors -- like the Wells Fargo Active Cash® Card and the Citi Double Cash® Card -- both offer a similar rewards program. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Its main quirk is how the card. An introductory APR of 0% for 15 months from account opening on purchases ( 20. Citi Double Cash Card. 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. Now Citi just made it official with the double cash and made it just like the custom cash. Once the introductory period is over, the regular APR ranges from 19. Wells Fargo Active Cash® Card: Best overall. The Wells Fargo Active Cash® Card is making a splash among the growing list of 2% flat-rate cards on the market. A number of other flat-rate cash-back cards earn 1. Wells Fargo Active Cash ® Card vs. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. Like the Citi Double Cash Back Card, the Wells Fargo Active Cash Card lets you earn a flat 2% cash back rate on all purchases, and it doesn’t have an annual fee. Wells Fargo Active Cash® Card: Best all-around 2% cash rewards credit card. Credit Cards. Best for Automatic 5%. would all get 2% instead of 1%. Chase Freedom Unlimited spending example. Wells Fargo Active Cash $200 offer; Wells Fargo Active Cash $250 offer: in branch;Wells Fargo Active Cash® Card. 0% intro for the first 15 months (then 20. Welcome offer: Earn $200 cash rewards bonus after you spend $500 in first three months. No annual fee: Capital One Quicksilver vs. 24%, 25. Can also get redeem rewards for cash in $20 increments at a Wells Fargo ATM. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. 5% cash back for everyone else. S. The $18,088. Best for Choice of Bonus Categories: U. After that, an 19. That’s a total of 2% cash back on everything you. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. Best for Automatic 5% Cash Back: Citi Custom Cash® Card. This card offers $200 cash rewards after spending $500 in the first 3 months. Credit CardsThe Blue Cash Everyday® Card from American Express is the winner over The Amex EveryDay® Credit Card from American Express. 5% cash rewards on purchases. This Visa Signature. This effectively turns the Double Cash into a 2. 5% cash-back cards because it doesn't require you to activate bonus. Crucially, there's no FTF, unlike the Citi Double Cash, Paypal Cashback, or Wells Fargo Active Cash. 5%). 8 Update: Besides the $200 offer online, there’s now a $250 offer in local branches. The Citi Double Cash Card provides cardholders with 2% cash back for their purchases, one of the best flat rates available. Wells Fargo Active Cash vs. The Citi Double Cash® Card is also a flat-rate cash back card like the American Express Cash Magnet Card, but it earns up to an unlimited 2% cash back on purchases — 1% when purchases are made. 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. 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. . 1. The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. Bank of America Unlimited Cash Rewards vs. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. The American Express Blue Business Cash™ Card. I've been a Discover member for two decades and looking for a new card with better cashback rewards. but I prefer my Citi double cash card, which is 2% as well. Then select Request Balance Transfer under Account Management to view available offers. Increased Cash Back Potential: If you shop online through the Rewards Center Earn Mall, you can access over 1,100 stores and earn more cash back. This 2% card has a $200 SUB. Also no FTF, which is great for the occasional overseas trip. 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. 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%. With the Double Cash Card, however, you earn 1% when you make the purchase and. The card offers 2% cash back on everything – 1% back when. 24%, or 29. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. 5% card. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Select compares the 5% cash-back Citi Custom Card and the 2% flat cash-back Citi Double Cash Card. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. 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. Meanwhile, the Citi Double. 2% card, and Custom Cash into a 5. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Citi® Double Cash Card. After that there are no bonus categories that you have to keep track of. Best Cash Back Credit Cards of November 2023. ”. While Citi has an APR range, Wells Fargo has three possible rates, depending on your credit. Citi Double Cash Card vs. Wells Fargo Active Cash® Card. This card doesn’t have any bonus categories as tiered rewards cards do. That describes the Citi Double Cash® Card. Synchrony Premier World Mastercard. 24% to 28. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. Citi® Double Cash Card vs. However, the most significant difference is in the card APRs. Like the Active Cash, the Citi Double Cash offers a flexible rewards program. As a Citi customer, as with most other card companies, you can get help with your card or account 24 hours. 24%, 24. Citi Double Cash® Card vs Wells Fargo Active Cash® Card. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. Automatic cellphone protection when you pay your monthly bill with the card. Holders of the Citi Rewards+® Card and Citi Double Cash® Card can transfer points to a shorter list of travel partners. One perk of the Wells Fargo Active Cash Card 2% card vs. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. $0. But if you spend $10000 with this new card, you’ll get $400. Special Offer. 5% unlimited cash back on all purchases. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. Citi Double Cash® Card. Citi Double Cash (2% catch all) US Bank Cash+ (5% on two choice categories - Streaming and Utilities for me). Citi® Double Cash Card;. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. The Wells Fargo Active Cash® Card for introductory perks and 2% on. The Wells Fargo Active Cash® Card offers a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening, and the Wells Fargo Autograph℠ Card comes. 00 cash back per year with Citi Double Cash Card and $240. 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. One area where it stands ahead of the Wells Fargo Active Cash. Rewards Rate. Annual fee: $0. You may also call 1-800-642-4720. In this Citi Double Cash Card. The $0-annual-fee card offers the following: Rewards: Unlimited 2% cash back on. AC has an interest-free promo period on purchases and BTs, where DC’s promo is only for BTs. If you're looking to make a large purchase. For context, the average annual rewards payout from the cashback credit cards in the investor. Finally, they cash out at a standard . Citi Double Cash vs. I hate that my Active Cash does this. Each eligible transaction will earn 2% cash back on all eligible purchases. You’ll get the full bonus sooner from Wells Fargo Active Cash, while the Chase Freedom Unlimited card’s bonus is slightly more valuable. The Wells Fargo Active Cash is probably the most comparable card to the Citi Double Cash, yet. Wells Fargo Platinum card: Best for those looking for a longer 0% APR period. New cardholders can also earn a $200 cash rewards bonus after spending $500 in purchases within. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. Citi Double Cash. Wells Fargo. 24% variable APR;. Upgrade Triple Cash Rewards basics. See related: Wells Fargo Active Cash vs. Annual Fee. The Wells Fargo Active Cash® Card. Welcome bonus: None. Skip Navigation. Other 2% Cash Back Cards. Wells Fargo Active Cash Card Review 2022. Credit cards that are better than the Citi Double Cash Card may include Chase Freedom Unlimited® and Wells Fargo Active Cash, depending on your exact spending habits and preferences. Wells Fargo Active Cash®. There’s. Wells Fargo Active Cash® Card. 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 Wells Fargo deals pay out quick. Citi Custom Cash Card vs. Citi Diamond Preferred highlights. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. 5% cash back on all purchases and comes with this bonus offer: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. The card earns a flat 1. 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). Wells Fargo Active Cash offers a sign-up bonus, a 0% intro APR offer, and cell phone insurance, while Citi Double Cash has a simple cash-back rate. Card Name. $0. 5 card + SUB is worth more in the short term than a 2% card in th short term, the 1. The Citi Double Cash and the Wells Fargo Active Cash are the best options in this category. Annual fee: $0. 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. Both offer unlimited 2% cash back/cash rewards on purchases (although with the Double Cash, you need to pay off your purchases first to get the full 2%), while the Citi Rewards+ only earns 2% back in two categories with a $6,000 annual. The card also comes with cellphone protection of up to $600 of cell phone. 2% cash rewards on 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. 6. Unlike other 2% cash-back cards like the PayPal Cashback Mastercard® * , it comes with. I opened the Citi Double Cash a month later, which is my new 2% flat card. 24%, 25. 74%,. The Wells Fargo Active Cash® Card offers an unlimited 2% cash rewards on purchases and a welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Rewards Rate. The Citi Double Cash Card offers a simple rewards system. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. 24%, 24. Bank Visa® Platinum Card *. The Citi Custom Cash® Card (Citi is a Forbes Advisor partner) is big-idea plastic that works well as a companion card. Welcome Bonus. Wells Fargo Active Cash vs. Welcome bonus: $100 statement credit after spending $1,500 on purchases in 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. I just called them yesterday to ask if the Autograph has the same $25 increment rule, and it does. You must select Apply Now on this page to take advantage of this specific offer. The annual rewards payout assumes you charge $1,000 each month spread across. Citi Double Cash® Card. This bonus offer will be fulfilled as 20,000. But Citi Double Cash gives 1% cash back on all purchases, plus another 1% back when cardholders pay their Double Cash bill each month. 50 spent through Apple Pay would translate to $361. FNBO Evergreen (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. Synchrony Premier World Mastercard® * vs. The Citi Double Cash has no SUB. 24%. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). Wells Fargo Active Cash Card: Earn unlimited 2% cash rewards on purchases; Capital One SavorOne: Earn 10% cash back on Uber & Uber Eats purchases (through 11/14/2024)Card type: Cash back. CIT Bank’s eChecking account requires a minimum opening deposit of $100, but you can earn a greater yield with a greater balance. 24 percent to 26. Downside is that redemptions can only be made in $25 increments, where earned Citi DC rewards can be redeemed in any amount. Annual fee. Wells Fargo Active Cash vs Citi Double Cash . Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Citi® Double Cash Card. At. Best for 2% Cash Back: Wells Fargo Active Cash® Card. Citi Double Cash. Earn 30,000 bonus points when you spend $1,500 in purchases in the first three months (a $300 cash redemption value) Earn unlimited 3X points per dollar at restaurants and gas stations and when spending on travel, transit, popular streaming service, and phone plans. The Wells Fargo Platinum Card had a 0% intro APR offer that differed from the one currently available with the Active Cash Card. I’m looking at getting 1 of these 2 options, mainly to pay wedding vendors. The Wells Fargo Platinum card does not come with any rewards, either as an initial sign-up bonus or for ongoing purchases. 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. The value of a 1. . Credit Cards. Anybody have a quick summary of this, so we do not have to watch a long, agonizing video? All I know is Costco takes Visa only so for me, it already 1 ups the Double Cash. 24%, or 29. Also Wells Fargo has a $300 checking account bonus right now. The Wells Fargo Reflect is a good option for cardholders who are looking to consolidate their debt or finance a large purchase. It also earns an unlimited 2%. The $25 redemption limit doesn't bother me because I don't do anything with that little bit of cash back anyway. Finally, they cash out at a standard . Best for flat-rate cash back. Citi Double Cash Card vs. That's not exactly what I said. 5% cash back, a $200 bonus and 0% for 12 months. Wells Fargo Active Cash vs. 5%. The Fidelity Card requires a Fidelity account to deposit the money into. Its rewards rate of 2% cash rewards on purchases is ideal for someone whose spending. $0. Lyft Pink All Access benefits include 10% off Lux rides, free priority pickup upgrades, cancellation. Capital One Quicksilver; Chase Freedom Unlimited vs. I can also say that my experience with Wells Fargo (apps, customer service, etc. . Navy Federal Credit Union Visa Signature® Flagship Rewards Card * vs. Citi® Double Cash Card: Best for pairing. 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. 5/10 CNET Rating See Rates & Fees Apply Now On Wells Fargo's secure website Intro Offer $200 cash rewards Annual fee $0 APR 20. While both are popular cash back credit cards, the Citi Double Cash Card offers better rewards value overall and an opportunity to save money on balance transfers. Fidelity® Rewards Visa Signature® Card: Best. 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 Double Cash® Card. FNBO Evergreen (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. It offers 1. 8 cents each, they can be worth much more when transferred to travel partners.