Citi Double Cash® vs Wells Fargo Signify Business Cash℠
Side-by-side comparison
| Citi Double Cash® | Wells Fargo Signify Business Cash℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash back | $500 cash rewards bonus |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Pools with Citi → transferable | Pools with Wells Fargo → transferable |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified July 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Citi Double Cash® | Wells Fargo Signify Business Cash℠ |
|---|---|---|
| Welcome bonus | $200 cash back | $500 cash rewards bonus |
| To earn it | $1,500 in 6 months | $5,000 in 3 months |
| Est. first-year value* | $1,100 | $1,400 |
| Est. ongoing value / yr* | $900 | $900 |
This one splits by time horizon. In year one the Wells Fargo Signify Business Cash℠ is ahead by roughly $300, thanks largely to its welcome offer. But the Citi Double Cash® earns more every year after, so if you keep it, it overtakes the Wells Fargo Signify Business Cash℠ over the long haul. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Wells Fargo Signify Business Cash℠. Planning to keep it for years? The Citi Double Cash® pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Citi Double Cash® | Wells Fargo Signify Business Cash℠ |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Transferable (paired with a premium card) |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
The Citi Double Cash® earns Citi ThankYou, which transfers to American Airlines, Turkish, Avianca, and Air France-KLM. The Wells Fargo Signify Business Cash℠ earns Wells Fargo Rewards, reaching Air France-KLM, Avianca, British Airways Avios, and Choice. Most transfers are 1:1 on both, so the partners themselves, not the ratios, are what separate them.
The standout difference is the crown-jewel partner: for the Citi Double Cash® it is American Airlines AAdvantage at 1:1, one of the only ways to transfer points to AA; for the Wells Fargo Signify Business Cash℠ it is the Avios and Flying Blue families for flexible short-haul and promo awards. Pick the program whose best partners match the trips you would actually book.
These are near-twins at 2% flat with no fee, the difference is personal vs business, and a few perks.
The Double Cash is a proven personal 2% card whose ThankYou points can even transfer with a Citi Premier. The Signify Business pays the same 2% on all business spend uncapped, adds cell-phone protection, and opens with a larger welcome bonus. Same rate, different account type.
Pros and cons
- Flat 2% on everything (1% buy, 1% pay)
- No annual fee
- ThankYou points can transfer with a Citi Premier
- Simple, proven personal card
- Personal card, doesn’t build business credit
- 2% requires paying on time to earn the second 1%
- Smaller welcome bonus than the Signify
- Flat 2% on all business spend, uncapped
- $500 welcome bonus and cell-phone protection
- No annual fee
- Builds business credit and keeps expenses separate
- Requires a business to apply
- Cash rewards (not transferable on its own)
- Fewer consumer protections than a personal card
Where each one wins
| Category | Winner | Why |
|---|---|---|
| Base rate | Tie | Both flat 2%. |
| Account type | Depends | Personal (Double Cash) vs business (Signify). |
| Welcome bonus | Signify Business | $500 vs the Double Cash’s $200. |
| Perks | Signify Business | Cell-phone protection and expense separation. |
| Point flexibility | Double Cash | Can transfer via a Citi Premier; Signify is cash. |
The verdict
If you’re spending personally, the Double Cash is the pick, a dependable 2% with no fee, and its rewards can become transferable travel points if you add a Citi Premier. For everyday personal spend, it’s a classic.
If you have a business, the Signify Business is the better fit, the same 2% on all business spend, uncapped, plus a larger welcome bonus and cell-phone protection, and it keeps business expenses separate while building business credit. They’re the same rate for different wallets: personal takes the Double Cash, business takes the Signify.