Citi® Double Cash Card. Annual Fee. 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. You also don’t have to jump through any hoops to get the full. Best. When the Fidelity card dropped that benefit it's what made me start looking for another card. For a limited time, earn 5% total cash. Welcome bonus: None. 3. Citi Custom Cash Card vs Wells Fargo Active Cash Card 2023 Written by investor. 2% card, and Custom Cash into a 5. See related: Wells Fargo Active Cash vs. You will earn unlimited 2% cash rewards on all of the purchases that you make. Our Methodology Understanding the value of cash back is simple, but valuing airline miles or points redeemable for travel requires digging a bit deeper. Credit Cards. Synchrony Premier World Mastercard® * vs. No annual fee. Intro APR on balance transfers: The Reflect Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18. Citi is way less grimey and with the Rewards + card, the Citi double cash yields 2. 24% - 29. (on up to $6,000 in each category per year. I can also say that my experience with Wells Fargo (apps, customer service, etc. Wells Fargo, making a stronger push into the credit cards business, has introduced one of the most compelling flat-rate credit cards on the market. ”. Citi Double Cash vs. It offers 1. S. Double Cash all day, especially if you have "ecosystems" in mind. 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). Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Install dimmer switches. 31 back. It essentially means you have 0% cashback until you spend exactly $1,250 to reach the $25 increment. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Citi Double Cash (2% catch all) US Bank Cash+ (5% on two choice categories - Streaming and Utilities for me). but I prefer my Citi double cash card, which is 2% as well. 6 min read Sep 08, 2023. Annual fee: $0. 2. Citi® Double Cash Card. After that, the standard variable. The Citi Double Cash Card is one of the simplest and most valuable credit cards available. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Rewards rate: Up to 2 percent cash back on all purchases (1 percent when you buy, plus 1 percent when. With the Wells Fargo Active Cash Card you get a similar $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives. As I noted above, the only real negative IMO is the 3% foreign transaction fee. The Active Cash Card offers 0% intro. 24%, or 29. •. Its limited-time offering of 10% cash back for Uber and Uber Eats. Downside is that redemptions can only be made in $25 increments, where earned Citi DC rewards can be redeemed in any amount. Earn $200 cash back. In this article, we’ll compare two of the most popular 2% back cards right now: the Wells Fargo. 5% cash-back rate on all other purchases while the Wells Fargo Active Cash card earns 2% cash-back on every purchase, regardless of category. 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. No annual fee: The Wells Fargo Reflect Card has a $0 annual fee, and the Active Cash Card has a $0 annual fee. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back cards. )Time Codes:0:00 - Intro0:54 - Who benefits from these cards?1:30 - How the 2% is earned1:52 - WF vs. With the Double Cash Card, however, you earn. Bottom Line: Both the Freedom Unlimited card and Double Cash card offer straightforward simplified earning structures. Wells Fargo Active Cash vs. The Wells Fargo Active Cash Card is a flat-rate cash back credit card. Citi Double Cash vs. After that, the standard variable. So for example if you have $45 accrued, you can only redeem $25 and will have $20 left. 6 min read Sep 08, 2023. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Also Wells Fargo has a $300 checking account bonus right now. The Citi Double Cash offers a generous 0% intro APR on balance transfers for 18 months, then. Wells Fargo. And you'll generally outearn the Apple Card when it comes to most mobile wallet purchases. 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). Bottom line: Don’t use Citi ThankYou points to shop with points at Amazon. Wells Fargo Cash Wise Visa card. Synchrony Premier World Mastercard. Using this card. Additionally, the Citi Double Cash Card comes with a 0% intro APR on balance transfers for 18 months. Downside is that redemptions can only be made in $25 increments, where earned Citi DC rewards can be redeemed in any amount. 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. Capital One Quicksilver; Chase Freedom Unlimited vs. Bonus Card Option: Wells Fargo Active Cash Card. After that, the standard variable APR will be 19. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. Citi Double Cash® Card. Just spend $4,500 in the first 90 days of account opening. Up to 2% cash back. Wells Fargo Platinum card: Best for those looking for a longer 0% APR period. I have had no major issues with using WF cards. If you typically receive an annual. Citi Double Cash® Card. Wells Fargo Active Cash® Card. The Double Cash card usually offers a small welcome bonus. Wells Fargo Active Cash vs. The Wells Fargo Active Cash® Card, which launched in July 2021, has quickly distinguished itself as one of the best cash-rewards cards on the market. 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). I'm very happy with this change. If you're looking to make a large purchase. 84 that could reasonably be charged to a credit card would earn $168. A number of other flat-rate cash-back cards earn 1. This usually takes 1-2 billing cycles. It also offers a welcome bonus: a $200 cash. With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening. 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. With the Wells Fargo Active Cash, the same. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. There’s a welcome bonus of $100 statement credit after spending $1,000 on purchases in the first. Chase Freedom Unlimited vs. Pros: - 2% back on all purchases everywhere MasterCard is accepted. However, your earning potential can be higher if you’re spending habits don’t align with the bonus tiers. Will have a lot of good categories above 2% and the active cash for everything else this way. 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. yeah i was thinking of that option as well, to me i’m deciding between autograph or Citi Custom Cash for my next card. I complained and escalated and eventually cancelled. 6 min read Sep 08. Citi. JS by Jason Steele Edited by Ryan M Tronier July 31, 2023. Wait for the cash back rewards to post to your account. We'll compare the introductory bonuses, how cashback is earned,. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases and offers a $0 annual fee, 0% intro APR for 15 months from. Learn More About the Active Cash HERE: “Show More” to see my Favorite Financial Tools MY FINANCIAL TOOLS 💳 Credit Car. I have the active cash and the PPMC, and will be PCing the WFAC to the Autograph as I am 4/24. I have a few other cash back cards, my main one is Citi® Double Cash Credit Card. 0% intro for the first 15 months (then 20. Lyft Pink All Access benefits include 10% off Lux rides, free priority pickup upgrades, cancellation. Wells Fargo has a $25 minimum to redeem to a savings, mortgage, or loan account. The Fidelity Card requires a Fidelity account to deposit the money into. 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. Citi Custom Cash® Card. The card has a $0 annual fee, too. Wells Fargo Active Cash vs. 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. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. Wells Fargo Active Cash® Card;. One perk of the Wells Fargo Active Cash Card 2% card vs. Blue Cash Everyday ® Card from American Express TD Double Up Credit Card vs. 24% - 29. 24% or 29. Sep 19, 20239. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. The Citi Double Cash ® Card also offers a very long intro APR of 0% for 18 months on Balance Transfers. APR. Capital One Spark Cash Plus. Citi Double Cash Card. . Its rewards rate of 2% cash rewards on purchases is ideal for someone whose spending. Citi Double Cash Card vs Citi Custom Cash Card. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. Wells Fargo Active Cash® Card. It's also best if you need to pay off a high interest credit card. Based on identical spending inputs, you’ll earn $201. The difference between Blue Cash Everyday. Costco Anywhere Visa Card vs. The Citi Double Cash Card is similar to the Wells Fargo Active Cash Card -- both offer a flat 2% cash-rewards rate. The Wells Fargo Platinum Card had a 0% intro APR offer that differed from the one currently available with the Active Cash Card. 2% flat rate and then 3% on PayPal. The Wells Fargo Active Cash® Card. Bilt Mastercard vs. Wells Fargo Active Cash® Card. Autograph + Active Cash + Grocery card would be really easy and simple cash-back set-up for most people. 24 percent. There are no category restrictions and cash rewards don’t expire as long as your account remains open. Note, the Citi Custom Cash technically earns basic ThankYou points, so your welcome bonus will be rewarded in the form of points (redeemable for $200 in cash. 5% cash back for everyone else. Finally, they cash out at a standard . Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. A Penny Pinchers Guide to Personal Fi…Here you will find the Wells Fargo Active Cash vs Citi® Double Cash Card comparison where we will evaluate the features, fees, rewards and other benefits of both the cards and compare both of them. Annual fee: $0. It is also possible Wells Fargo cash back options will be less user-friendly than some other cards (i. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and without any hoops to jump through. The Wells Fargo Reflect is a good option for cardholders who are looking to consolidate their debt or finance a large purchase. Citi Double Cash Card. This is a fairly competitive welcome bonus for. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. 73. Citi Double Cash and SoFi. 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. Finally, they cash out at a standard . Wells Fargo Active Cash® Card. Citi Double Cash has a $25 minimum amount redemption. And Wells Fargo no longer has a minimum rewards redemption requirement. However, if you're looking to keep building your retirement, redemption on the Fidelity Card could be an easy way to keep. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. (Though paying statement balances in full. 8 cents each, they can be worth much more when transferred to travel partners. While the Citi Double Cash card is the most popular 2 percent cash back card, you might not actually earn 2 percent rewards. 24% or 29. For. 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. Wells Fargo Active Cash® Card. Key Cashback® Credit Card * vs. Simply pick up the phone to call Visa Signature Concierge. 6 min read Sep 08, 2023. The Active Cash even features an introductory 0% APR for purchases and qualifying balance transfers for 15 months from account opening (then 20. $0. CIT Bank’s eChecking account requires a minimum opening deposit of $100, but you can earn a greater yield with a greater balance. The Wells Fargo Active Cash® Card is an exception. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. Citi® Double Cash Card vs. Citi Double Cash $200 Welcome Offer. I've got the Amazon card, Amex blue cash. (Although I feel the Wells Fargo Active Cash is far superior to the CDC) CCC you get 5% on $500 so $25 in cash back and the remaining $1,500 is all at 1% so $15. Chase Sapphire Preferred Wells Fargo Active Cash. 24%. Articles; Reviews; Compare; Surveys;. Citi Double Cash Card vs. The Double Cash card usually offers a small welcome bonus. It also earns an unlimited 2%. Unlimited 2% cash back (you earn 1% when you make a purchase and 1% when you pay it off on time) Welcome offer of 20,000 ThankYou® Points, redeemable for $200 cash back, when you spend $1,500 on. Wells Fargo Active Cash℠ Credit Card. Was with you up until the cancellation part. 24%, or 29. Annual fee: $0. Cash-back rewards. Citi Custom Cash Card vs. 1 day ago · What is a negative credit card balance? A negative credit card balance is a balance below zero. e. 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. Citi® Double Cash Card : Best for earning 2% cash back with a long intro APR. 5% all purchass. Bank Cash+® Visa Signature® Card. I have the Wells Fargo Active Cash, but unlike my other cards, it doesn't sync my provisional transactions in YNAB. Citi Double Cash® Card (see rates and fees). Simply pay your monthly cell phone bill with your Wells Fargo Active Cash card and you can receive up to $600 of cell phone protection against damage or theft. - No annual fee. 8 Update: Besides the $200 offer online, there’s now a $250 offer in local branches. Annual fee: $0 intro annual fee for the first year, then $95. There’s a welcome bonus of $100 statement credit after spending $1,000 on purchases in the first. 2 days ago · Here are a few examples of credit cards offering cash back rewards: Card name. 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. Unlike. Welcome bonus: $200 bonus after opening a Rewards Checking Plus account and making three debit card transactions within 60 days of account. Apply Now. Double Cash might be better for a traveler because of the transfer partners it has and the potential to combine points with Citi Premier. Bank of America® Customized Cash Rewards Credit. Skip To Content Toggle Menu Back. Receive two free years of Lyft Pink All Access (valued at $199/year) and a third year at 50% off when you activate a membership by Dec. 99%. 1. Wells Fargo Reflect® Card. With Citi Double Cash the $25 is the redemption minimum, so once you accrued over $25, you can redeem the entire cash back balance. Citi Double Cash. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. 3% back on. One big reason why the Citi Double Cash Card wins this matchup is that it offers a very generous ongoing rewards rate: 2% cash. Citi Double Cash® Card. That describes the Citi Double Cash® Card. The Double Cash provides 18 months of 0% introductory APR on balance transfers. Bank of America loyalists. 2 days ago · Consider having a yard sale or using online marketplaces such as eBay or OfferUp to sell these items and boost your down payment savings. ”. Credit. The card. $0. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. Cardholders earn 5% back on the first $1,500 on quarterly bonus purchases (once. Rewards rate. Wells Fargo Active Cash vs. With the Citi Custom Cash, you’ll start off by earning $200 cash back by spending just $1,500 on new purchases within six months of account opening. 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. As for the Citi Custom Cash, it is plainly obvious why it is so popular and has overtaken the Double Cash. com purchases. You must select Apply Now on this page to take advantage of this specific offer. Citi Double Cash. the Citi Double Cash card doesn’t require a Fidelity account and offers a 0% intro APR on balance transfers for 18 months. 1. If you’re considering applying for the Wells Fargo Active Cash card, it’s probably because of the 2% cash back reward. Few cards offering an unlimited 2% cash back on spending provide meaningful extras and perks, but the Wells Fargo Active Cash® Card offers cell phone protection. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. Card Name. Other cash back cards earn more back. Wells Fargo Active Cash vs. Best Overall Balance Transfer Credit Card: U. Chase Freedom Unlimited spending example. 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. The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on all purchases and a generous sign-up bonus with no annual fee. 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. 24%, 24. Generally, you earn the cash-back rewards as a percentage of eligible purchase amounts — a 2% cash back. If you want the most versatile reward of them all—plain old cash, then the $0-annual-fee Citi Double Cash® Card offers a hassle-free 2% cash back on all purchases—1% when purchases are made. Those seeking a cash-back card that earns the same great rate on all your spending should look to a card like the Wells Fargo Active Cash® Card. At which point, I use. 1. If you want the most versatile reward of them all—plain old cash, then the $0-annual-fee Citi Double Cash® Card offers a hassle-free 2% cash back on all purchases—1% when purchases are made. The Wells Fargo Active Cash® Card offers a similar benefits spread of all no-annual-fee cards, but it beats the Capital One Quicksilver Cash Rewards for cash rewards. Rewards Rate. Wells Fargo Active Cash and Wells Fargo Autograph. Citi Double Cash vs Wells Fargo Active Cash Review - YouTube In this video, we're comparing the Wells Fargo Active Cash vs Citi Double Cash Credit. For the Reflect card, you will be able to get 0% intro APR for 18 months on purchases and balance transfers, then 18. 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. The American Express Blue Business Cash™ Card. A balance transfer fee of up to 5% of the each. Bank Cash+® Visa Signature® Card. Wells Fargo Cash Wise Visa – The two cards tie. The CFU has even more potential because it can be combined with the Chase Sapphire Preferred or Reserve. AC has an interest-free promo period on purchases and BTs, where DC’s promo is only for BTs. 1. The card gives 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the. Lastly, the Chase Freedom Unlimited offers 5% cash back on gas station purchases, up to $6,000 in. Citi Double Cash Card vs. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. 3. The Citi Double Cash Card earns a net 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus, for a limited time, 5% total cash back on hotel, car. The only caveat is that there's a $2,500 combined spending limit on the 3% and 2% categories each quarter, after which you'll earn just 1% back. Citi Double Cash Card vs. Best Cash Back Credit Cards of November 2023. The Citi Double Cash card's simple cash back structure and long-lasting balance. Earn unlimited 2% cash rewards on purchases. Here’s an overview of how cash back works on credit cards: Earn a percentage of the amount paid every time you make a qualifying purchase with your cash back credit card. (SUB + 2% of 10K) same spend but double the rewards. Really covers almost everything, and then Wells Fargo active cash for 2% back on everything else, and the rewards pool with the autograph. Both the Citi® Double Cash Card and the Fidelity® Rewards Visa Signature® Card charge no annual fee and offer cardholders a solid 2% cash back (the industry standard is 1. Citi Double Cash. The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and without any hoops to jump through. Whereas with WF Active Cash you can only redeem cashback in increments of $25. Wells Fargo Active Cash 8 /r/creditcards, 2023-01-27, 08:32:44 Help picking a credit. Wells Fargo Active Cash® Card (rates and fees). The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. Bank Visa® Platinum Card *. At. Active cash is better due to insurance on the card. It also delivers 2% cash rewards on purchases. Citi® Diamond Preferred® Card vs. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. The Wells Fargo Active Cash is probably the most comparable card to the Citi Double Cash, yet. Overview of the best 2% cash Back credit cards. Whereas with WF Active Cash you can only redeem cashback in increments of $25. A 2% cash-back credit card that offers an introductory sign-up bonus is rare. If you're thinking about getting this card, you should also compare it to its closest rival, the Citi Double Cash® Card from our partner Citi, which offers 1% cash back on purchases and 1% cash back after paying your bill. Citi® Double Cash Card: Best for pairing. This card also comes with no annual fee, and new cardholders get a 0% intro APR on. Citi Double Cash. Chase Freedom Unlimited®: Best for Bonus. 24%, or 29. 73. Wells Fargo Active Cash® Card vs. For example, the Wells Fargo Active Cash® Card earns 2% cash rewards on purchases, and the Citi® Double Cash Card. The Wells Fargo Active Cash ® Card is a solid $0-annual-fee cashback credit card with potentially even better rewards than the Bank of America Unlimited Cash Card. Citi Double Cash® Card. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. 24%. 8 cents each, they can be worth much more when transferred to travel partners. Based on identical spending inputs, you’ll earn $240. After that, an 19. See how it works. Typically, when you make purchases on a credit card, you are given a grace period of around 30 days before you owe any interest. 5 percent cash back, but no foreign transaction fee and a $150 sign-up bonus) or. 73. 24%. 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. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). However, I don't think you should listen to the bad rumors about Wells Fargo. That is a total of $40 in cash back per month at $2,000 spendThe Citi Double Cash. American Express Blue Cash Everyday: 3x groceries, online purchases, gas. Navy Federal Credit Union Visa Signature® Flagship Rewards Card * vs. This effectively turns the Double Cash into a 2. Similar to the Venmo Card, the Citi Custom Cash rewards are flexible to your spending. The Wells Fargo Active Cash Card earns 2% cash rewards on purchases and charges no annual fee. There’s. The daily driver, until I hit the $6k limit. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. The Citi Double Cash is a popular cashback credit card because of its excellent earning potential. $0. The Wells Fargo Active Cash card I believe has some restrictions on how you can redeem the cash back you will want to read the fine print there. Now Citi just made it official with the double cash and made it just like the custom cash. It also earns an unlimited 2%. Wells Fargo Active Cash even offers an introductory purchase. supermarkets, U. Fidelity Rewards or Citi Double Cash card, is the WF card has auto rental collision damage waiver coverage. com database is $181. DoorDash Rewards Mastercard® vs. The Chase Freedom Unlimited card offers everything Capital One Quicksilver does, plus a few extra bonus rewards categories and other perks. While Citi has an APR range, Wells Fargo has three possible rates, depending on your credit. 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. A comparison of two cash-back credit cards with an annual fee of $0 and unlimited 2% cash back. 24% to 29. Rates & Fees. I received an email yesterday from Citi stating that the 1% cash back on purchases and 1% cash back on payments is changing to 1 point on purchases and 1 point on payments. I wouldn't want a Wells Fargo account and I think Citi has the most stable product currently. The Citi Double Cash® Card has an annual fee of $0 and earns 2% cash back on all purchases—1% when purchases are. This Visa Signature. The $18,088. 24% - 29. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. 24% to 28. I just don't like the more limited visibility into WF. 78% APR. Credit Cards. 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.