Citi® / AAdvantage® MileUp® vs Wells Fargo Active Cash®
Side-by-side comparison
| Citi® / AAdvantage® MileUp® | Wells Fargo Active Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 15,000 American Airlines AAdvantage® miles after $500 in 3 months | $200 cash rewards bonus |
| Dining | 1x | 2x |
| Groceries | 2x | 2x |
| Gas | 1x | 2x |
| Travel | 1x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $352 | $583 |
| Points type | Locked to American Airlines AAdvantage | Pools with Wells Fargo → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Citi® / AAdvantage® MileUp® earns about $352 a year in rewards and the Wells Fargo Active Cash® about $583, valuing every point at a flat 1 cent. The Citi® / AAdvantage® MileUp® has no annual fee, so its rewards are all profit. The Wells Fargo Active Cash® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Wells Fargo Active Cash® delivers more total value, about $232 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and dining. The bigger difference is the ceiling: the Wells Fargo Active Cash® earns points you can move to travel partners for outsized value, while the Citi® / AAdvantage® MileUp® stays locked to a single airline or hotel program. Favor the Wells Fargo Active Cash® if you will use travel transfers, the Citi® / AAdvantage® MileUp® if you want simplicity. On the sign-up bonus, the Wells Fargo Active Cash® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Wells Fargo Active Cash® if your spending leans toward dining, gas, travel.