Choosing between the Costco Anywhere Visa Card by Citi (no annual fee) and the Wells Fargo Active Cash Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowUnlimited 2% cash rewards on all purchases with no categories to track. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Costco Anywhere Visa Card by Citi | Wells Fargo Active Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | <strong>2.0%</strong> |
| Travel Rewards | <strong>3%</strong> | 2% |
| Dining Rewards | <strong>3%</strong> | 2% |
| Groceries Rewards | 2% | 2% |
| Gas Rewards | <strong>4% (up to $7,000/yr)</strong> | 2% |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | Unlimited 2% cash rewards on all purchases with no categories to track. |
Costco Anywhere Visa Card by Citi pulls ahead for travel, dining, gas spending.
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