After that, an 19. Pros: - 2% back on all purchases everywhere MasterCard is accepted. At. Quicksilver offers 1. Wells Fargo. 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. Annual fee: $0. Citi is better due to points games (rewards+ = 10% bonus) etc. 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. The Citi Double Cash Card charges several common fees you should know about, including: Annual fee: $0. What you should expect to be given when managing a credit card. 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). Cash Wise Visa has 1. So I'm looking at cards that always provide at least 2% cashback regardless of category. Citi Double Cash® Card. So that’s 2%. One difference is that Wells Fargo offers a shorter 0% introductory rate. Here are the earning rates for both cards: Wells Fargo Autograph: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases. Annual fee: $0. Citi Double Cash and SoFi. 01 in any bank, or you can transfer points to a few airlines / hotels. The card. Main content; Search; AccountWells Fargo Active Cash vs. Base rewards rate: 2% cash rewards on purchases. Best for Automatic 5%. Annual fee: $0. It has a $200 welcome bonus, cell phone insurance, and it works with digital wallets. 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). Best Cash Back Credit Cards of November 2023. Citi Double Cash® Card. com database is $181. Wells Fargo Cash Wise Visa – The two cards tie. With Citi Double Cash you get 1% back at the end of the statement cycle of the charge and 1% back at the end of the statement cycle of the payment. 99% variable APR), so you’d be. 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. While the benefits of the Citi Double Cash Card are minimal, the Wells Fargo Active Cash Card is more powerful, offering benefits. I just don't like the more limited visibility into WF. S. $0. Welcome bonus: Earn a $250 statement credit after spending $3,000 in purchases in. Its limited-time offering of 10% cash back for Uber and Uber Eats. But the Wells Fargo Active Cash Card has similar earning potential and adds some additional benefits to sweeten the deal. Pros Generous 18-month 0% introductory APR on balance transfers Flat cash-back rate No annual fee Cons Charges foreign transaction fees No added. 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. The Wells Fargo Active Cash® Card for introductory perks and 2% on. The Wells Fargo Active Cash® Card offers a flat 2% cash rewards on purchases — one of the highest flat rewards rates available. Wells Fargo Active Cash 8 /r/creditcards, 2023-01-27, 08:32:44 Help picking a credit. 24% or 29. The Wells Fargo Active Cash® Card comes with a good array of benefits, which include cell phone protection, roadside dispatch, travel emergency assistance,. 5% cash back for everyone else. With the Double Cash, every purchase earns 2% back that you can redeem for statement credits or mailed checks. Wells Fargo Active Cash® Card (see rates. Citi Double Cash® Card. Citi Double Cash. 1x points on rent purchases (on up to $100,000 every year)2% card - WF Active Cash or Citi Double Cash 3% multi category - Capital One SavorOne 5% rotating card - Citi Custom Cash. Bank Cash+® Visa Signature® Card. Best for Cash. 99% Variable regular APR after that) An introductory APR of 0% for 15 months from account opening on qualifying balance transfers. Synchrony Premier World Mastercard® * vs. 99% variable APR applies. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Capital One Quicksilver Cash Rewards. The Citi Double Cash card's simple cash back structure and long-lasting balance. It also offers a welcome bonus: a $200 cash. With Citi Double Cash the $25 is the redemption minimum, so once you accrued over $25, you can redeem the entire cash back balance. 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). Synchrony Premier World Mastercard® * vs. The difference between Blue Cash Everyday. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Citi Double Cash® Card. 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. For instance, Chase has options that also don’t have an annual fee and earn up to 5% back. As a Citi customer, as with most other card companies, you can get help with your card or account 24 hours. 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. Bank of America loyalists. This Wells Fargo Active Cash Card review covers the pros and cons of this credit card, including its high cashback rewards and welcome bonus. Now Citi just made it official with the double cash and made it just like the custom cash. Wells Fargo Active Cash vs. Navy Federal Credit Union Visa Signature® Flagship Rewards Card * vs. Costco Anywhere Visa® Card by Citi: Best for Costco. Best for Automatic 5% Cash Back: Citi Custom Cash® Card. Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. Citi Double Cash. » MORE: Credit cards that earn 2% cash back or more on purchasesA prime choice would be the 2 percent cash rewards rate from the Wells Fargo Active Cash card or the similar Citi Double Cash® Card since it earns up to an unlimited 2 percent cash back (1. This is my default cashback combo that I would honestly be happy with using. So for example if you have $45 accrued, you can only redeem $25 and will have $20 left. PayPal master card is better. Using this card. 0% intro for the first 15 months (then 20. The Wells Fargo Active Cash Card is a flat-rate cash back credit card. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. ”. Wells Fargo Active Cash Card Earn unlimited 2% cash rewards on purchases. And they gave the GoRewards offers which may help you save money. Citi® Double Cash Card;. Regular APR is high: The main draw for this card is the introductory APR to help you pay down debt. Balance transfer fee: 3% (minimum $5) for balance transfers made within four months of. 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. 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. PayPal Cashback Mastercard®. The Wells Fargo Active Cash® Card carries no annual fee and earns an easy-to-track 2% cash rewards on purchases. You have the right. Finally, they cash out at a standard . The Active Cash earns 2% cash. 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. Annual fee: $0. But Citi Double Cash gives 1% cash back on all purchases, plus another 1% back when cardholders pay their Double Cash bill each month. Citi Double Cash® Card. The Wells Fargo Active Cash Card earns 2% cash rewards on purchases and charges no annual fee. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. An introductory APR of 0% for 15 months from account opening on purchases ( 20. Earning rates. Chase Sapphire Preferred Wells Fargo Active Cash. Like the Power Cash Rewards, the. 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). If you already have the Wells Fargo Active Cash Card you can request a balance transfer by signing on to Wells Fargo Online. Both provide a flat 2% rewards and both also have 3% foreign transaction fees. Rewards rate. These are the popular cards that most people can accessibly earn a good flat-rate cash back. The card offers 2% cash back on everything – 1% back when. $0 . Citi® Diamond Preferred® Card vs. supermarkets, U. With the Citi Double Cash Card, you’ll earn 1% cash back when you make a purchase and an additional 1% when you pay off your balance. If you’re looking for a good cash-back rewards card, the Wells Fargo Active Cash® Card is a solid choice. One area where it stands ahead of the Wells Fargo Active Cash. The Bank of America® Unlimited Cash Rewards credit card is a no-nonsense card that offers 1. Excellent, Good, Fair. This usually takes 1-2 billing cycles. Fidelity® Rewards Visa Signature® Card: Best. 5%). S. Capital One Quicksilver; Chase Freedom Unlimited vs. Citi Double Cash. Wells Fargo Active Cash® Card 3. However, the most significant difference is in the card APRs. Earn a $200 cash rewards bonus when you spend $500 in purchases in the first three months. Read the Wells Fargo Active Cash ® Credit Card Agreement and the Wells Fargo Active Cash ® Card Guide to Benefits to learn more. S. The Wells Fargo Reflect® Card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance. You must select Apply Now on this page to take advantage of this specific offer. $0. Welcome bonus: None. But the Wells Fargo Active Cash Card has similar earning potential and adds some additional benefits to sweeten the deal. Citibank’s and Wells Fargo’s checking accounts are standard for large, national banks, and both banks offer a sign-up bonus. For context, the average annual rewards payout from the cashback credit cards in the investor. Best for Long Introductory APR Period: Wells Fargo Reflect® Card. 24%. 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. The Citi Custom Cash® Card (Citi is a Forbes Advisor partner) is big-idea plastic that works well as a companion card. 50 spent through Apple Pay would translate to $361. The $95-annual-fee Citi Premier® Card and Citi Custom Cash® Card are an excellent duo for everyday use. The Wells Fargo Active Cash Card is not just one of the best flat-rate cash rewards cards out there, but one of the best cash rewards cards, period. Earn 1% to 3% cash back on purchases. Wells Fargo Active Cash Visa® Card 2% cash back on everything Citi Custom Cash Card 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter - Is this only for 1 category?By our calculations, those who spend $2,000 per month (or $24,000 per year) will earn the same $480 in cash back with both the Citi Custom Cash and Citi Double Cash. The Citi Double Cash® Card earns 2% cash back on purchases — 1% when purchases are made and another 1% when they’re paid off, plus. 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. 7 minute read. CIT Bank’s eChecking account requires a minimum opening deposit of $100, but you can earn a greater yield with a greater balance. With the Wells Fargo Active Cash, the same. The Citi Rewards+ is a great complement to the Double Cash and/or the Custom Cash. 2% flat rate and then 3% on PayPal. These are solid benefits for a card with no annual fee. Best for Choice of Bonus Categories: U. Unlike other 2% cash-back cards like the PayPal Cashback Mastercard® * , it comes with. According to a LendingTree study, the average credit card sign-up bonus in 2022 was $157 — making this a competitive bonus. 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. 24% variable APR;. The card gives 2% cash rewards on all purchases, plus $200 cash rewards after spending $500 in the first 3 months. This card also comes with no annual fee, and new. 3% back on. The Citi Double Cash has no SUB. Rewards Rate. 6 min read Sep 08, 2023. Annual fee. Rewards Rate. After that, an 19. Wells Fargo Active Cash® Card: Best overall. Your Wells Fargo Visa Signature ® card provides complimentary concierge 11 service that can help you enjoy the things you love. It offers 1. Citi Double Cash Card vs Citi Custom Cash Card. Earn $200 cash back. Wait for the cash back rewards to post to your account. 1 out of 5 rating 133 Reviews 133 Reviews. Based on identical spending inputs, you’ll earn $201. Most 2% cards don't have a SUB, while most 1. The annual rewards payout assumes you charge $1,000 each month spread across. Citi Simplicity cons. See full list on forbes. NerdWallet's . 5% cash back, a $150 bonus and 0% for 15 months on purchases and transfers. 24%, 24. 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). $0. Its main benefits are earning a steady 2% back on all purchases and a $0 annual fee. 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. 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). If you typically receive an annual. Citi DC - 2% on EVERYTHING including bills paid as opposed to some cards that only give 2% on “purchases. Slickdeals. The Chase Freedom Unlimited requires you to spend $500 in the first three months while the Wells Fargo Active Cash requires $1,000 in spending in the first three months. They usually give me less than half of the limits I get from Citi. 19. The Wells Fargo Active Cash card also comes with a 0% intro APR for the first 15 months on purchases and qualifying balance transfers, then a 20. Wells Fargo Active Cash® Card Review: $200 Cash Rewards Bonus. Wells Fargo Active Cash Promotions for November 2023. I've been a Discover member for two decades and looking for a new card with better cashback rewards. The Wells Fargo Active Cash Card features impressive flat-rate cash rewards, a welcome offer and intro APR offers. 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. 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. Each eligible transaction will earn 2% cash back on all eligible purchases. It also delivers 2% cash rewards on purchases. Wells Fargo Active Cash® Card: Best cash-back card. Citi Double Cash. This card doesn’t have any bonus categories as tiered rewards cards do. Articles; Reviews; Compare; Surveys;. That describes the Citi Double Cash® Card. 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. Otherwise, I like WF Active Cash because of the bonus and Wells Fargo's customer service. . 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. The Wells Fargo Active Cash® Card earns 2% cash rewards for your purchases with no annual fee. S. Wells Fargo Active Cash Card. 1. Generally, Wells Fargo has higher rates, so in combination with the shorter 0% rate period, Citi is more attractive. Similar to the Venmo Card, the Citi Custom Cash rewards are flexible to your spending. American Express Blue Cash Preferred Card basics. The Citi Double Cash ® Card also offers a very long intro APR of 0% for 18 months on Balance Transfers. Citi® Double Cash Card. Citi Double Cash vs. 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). •. A comparison of two cash-back credit cards with an annual fee of $0 and unlimited 2% cash back. Citi® Double Cash Card. 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. Best for 2% Cash Back: Wells Fargo Active Cash® Card. Neither. 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). 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. You can transfer your balance to the Citi® Double Cash Card and pay it off within 18 months. Wait a few months and see if you can convert the Citi Double Cash to the other new card announced this week, the Citi Custom Cash MasterCard. Uber/Lyft, transit, and streaming. The Wells Fargo Active Cash Card is another no-annual-fee card that earns 2% cash rewards on purchases. The Wells Fargo Active Cash offers a $200 cash rewards bonus and a 0% intro APR on balance transfers for 15 months, while the Citi Double Cash has no welcome bonus but flexible redemption options and a 0% intro APR on balance transfers for 18 months. In contrast, the BofA is also limited to $2500 per quarter in bonus category spend. Though we value Capital One miles at around 1. The Capital One Venture card offers a generous welcome bonus for meeting spending requirements within the first 3 months after card approval. 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 Citi Double Cash is a popular cashback credit card because of its excellent earning potential. 3 important differences between Wells Fargo Autograph vs. The value of a 1. com In head-to-head competition, which of these rewards credit cards wins out? Here’s what. Wells Fargo phrases the bonus this way: "Earn a $200 cash rewards. Wells Fargo Active Cash is a great credit card to compare because it has a $0 annual fee and rewards cardholders with 2% cash rewards on all purchases. Rewards Rate. Intro APR of 0% for 12 months from. 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. - No annual fee. The Citi Double Cash® Card (see rates and fees) is considered one of the best cash reward cards on the market. Wells Fargo Active Cash® Card. The Citi Double Cash® Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. . The Wells Fargo Active Cash® Card offers 2%. There are better 2% alternative like the WF active cash with a nice sub. 00 cash back per year with Citi Double Cash Card and $240. e. 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. Sep 19, 20239. Alternative Wells Fargo Cash Back Credit Card. The Wells Fargo Active Cash® Card offers unlimited 2% cash rewards on all purchases and a generous sign-up bonus with no annual fee. When your balance is negative on a credit card, it means you’ve paid more than you currently owe. With the Wells Fargo Active Cash® Card, you can redeem your rewards for purchases on your statement credit or a direct deposit to your eligible Wells Fargo checking account or mortgage. The Citi® Double Cash Card is another $0 annual fee cash-back card, boasting 2% cash back versus the Capital One. Alternative Cards to the Wells Fargo Active Cash Card Citi Double Cash. 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). We'll compare the introductory bonuses, how cashback is earned,. For the Reflect card, you will be able to get 0% intro APR for 18 months on purchases and balance transfers, then 18. The Wells Fargo Active Cash® Card might be the most direct competitor to the TD Double Up Credit Card. The Chase Freedom Unlimited card offers everything Capital One Quicksilver does, plus a few extra bonus rewards categories and other perks. The CFU has even more potential because it can be combined with the Chase Sapphire Preferred or Reserve. 5%. Chase Freedom Unlimited®: Best for Bonus. Would take a lot of recurring spend for gas with the 1c extra in gas rewards to overcome the $200 signup bonus of the BofA customized cash (maxing gas at $7k spend at an extra 1% would only be an extra $70 per year on the Costco Visa vs the $200 BofA signup bonus). That can make a big difference if you ever find yourself outside the U. Citi Double Cash. 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). The Wells Fargo Active Cash® Card is one of a number of unlimited 2% flat-rate cash-back cards on the market. Bonus Card Option: Wells Fargo Active Cash Card. Overview of the best 2% cash Back credit cards. The Wells Fargo Active Cash® Card is an exception. 3. Its main quirk is how the card. Bank of America Unlimited Cash Rewards vs. Plus, there are a family of Citi cards that enhance the earning potential (Custom Cash, Rewards +). car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. I've got the Amazon card, Amex blue cash. The Active Cash even features an introductory 0% APR for purchases and qualifying balance transfers for 15 months from account opening (then 20. 73. Since its release, the Wells Fargo Active Cash® Card has quickly become a standout in the flat-rate category due to its unlimited. The major difference between the Citi Double Cash vs. Wells Fargo Active Cash ® Card vs. Wells Fargo Active Cash ® Card vs. Whereas with WF Active Cash you can only redeem cashback in increments of $25. The Wells Fargo Platinum Card had a 0% intro APR offer that differed from the one currently available with the Active Cash Card. New Wells Fargo Active Cash® Card holders can earn a $200 cash rewards welcome bonus for spending just $500 on their card in the first three months. You shouldn't be "applying" for double cash. Concierge service, 24/7. Look up Alliant credit Union signature visa 2. Also, cash back rewards do not expire as long as your account stays open. 24%, or 29. Special Offer. 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. The $0-annual-fee card offers the following: Rewards: Unlimited 2% cash back on. Bank of America Unlimited Cash Rewards vs. Card Details. The Citi Double Cash® Card is often regarded as the torchbearer when it comes to cash back cards. 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. Wells Fargo Active Cash® Card. 31, 2024. Wells Fargo Active Cash (2% flat-rate cash back, 3% FTF) - $200 SUB for $1000 spend. Double Cash might be better for a traveler because of the transfer partners it has and the potential to combine points with Citi Premier. Cash rewards cards that earn 2 percent on purchases aren’t unheard of, but the Active Cash card cuts the strings typically attached to that sky-high rate and leads the pack when it comes to. Wells Fargo Active Cash® Card. Welcome bonus: $200 bonus after opening a Rewards Checking Plus account and making three debit card transactions within 60 days of account. This coverage is limited to up to 2 claims per 12-month period and there is a $25 deductible per claim. Citi Double Cash® Card vs Wells Fargo Active Cash® Card. 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. People may hate Wells Fargo. Welcome bonus: $100 statement credit after spending $1,500 on purchases in the. I miss out on on the $300 intro bonus but will be going for the CSR this summer to complete the Chase Trifecta. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. We are available 24 hours a day, 365 days a year for your travel, dining and entertainment needs. 24%, or 29. As you get the entire 2% back two days after the statement cycle closes. 24% or 29. Both good cards, both have their uses. Citi Double Cash® Card. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. The Citi Double Cash® Card is a top-notch choice for everyday use, due to its simple and generous rewards. After that, the standard variable. 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. I wouldn't want a Wells Fargo account and I think Citi has the most stable product currently. It is also possible Wells Fargo cash back options will be less user-friendly than some other cards (i. 6 min read Sep 08, 2023. Wells Fargo is stingy on credit limits. I have used PayPal bill pay with both my CFF and Active Cash and they work flawlessly with no surcharges. Intro APR on balance transfers: The Reflect Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18. Active Cash. With 2% cash back — 1% when you make a purchase, plus 1% when you pay that purchase off — your rewards. The Wells Fargo Active Cash® Card offers easy, generous and unlimited flat-rate reward on spending with no categories or spending caps to keep track of, Plus a low intro APR offer on purchases. Citi Double Cash® Card. I’m looking at getting 1 of these 2 options, mainly to pay wedding vendors. Citi® Double Cash Card vs. Chase Freedom Unlimited®: Best no-annual-fee card. The Citi Double Cash ® Card also offers a very long intro APR of 0% for 18 months on Balance Transfers. A number of other flat-rate cash-back cards earn 1. but I prefer my Citi double cash card, which is 2% as well.