Citi Simplicity® Card
vs. Wells Fargo Active Cash® Card

The Citi Simplicity® Card vs. Wells Fargo Active Cash® Card both offer enticing introductory APRs and no annual fees, which likely sparked your interest in comparing them. If you're seeking the best balance transfer option, the Citi Simplicity Card wins with its lengthy 21-month 0% intro APR on balance transfers.

But if you’re prioritizing cash back on every purchase, the Wells Fargo Active Cash Card leads with its unlimited 2% cash rewards. While the Citi Simplicity Card may not offer rewards, its appeal lies in the potential for significant interest savings on balance transfers.

You might prefer the Citi Simplicity if you're seeking to consolidate and pay off debt without the burden of fees. Its standout feature is the lengthy 21-month 0% intro APR on balance transfers, which can provide substantial breathing room for managing your finances. Additionally, the absence of late fees and penalty APRs offers a forgiving environment for occasional slip-ups.

You might prefer the Wells Fargo Active Cash if earning rewards on every purchase is a priority for you. With its unlimited 2% cash rewards on purchases and a $200 welcome bonus after meeting the initial spending requirement, this card is a powerhouse for everyday spending. Plus, the added perks like phone protection make it a well-rounded choice for practical benefits.

Evaluating card features like APRs, fees, credit requirements and rewards side by side clarifies which card aligns with your financial habits. For instance, if you're planning a large purchase, the Citi Simplicity's longer balance transfer APR might appeal to you, while the Wells Fargo Active Cash's cash rewards could be more beneficial for everyday spending.

MoneyGeek evaluates credit cards like the Citi Simplicity and Wells Fargo Active Cash using a scoring system tailored to use cases such as balance transfers and cash back rewards. For the Citi Simplicity, the highest score is in the balance transfer category, emphasizing introductory purchase APR and regular APR.

Conversely, the Wells Fargo Active Cash scores highest for cash back, with a strong focus on the effective reward rate and introductory purchase APR. These scores reflect a balance of factors, including issuer satisfaction and penalties. For a deeper understanding of our scoring process, you can review our ranking methodology.