Wells Fargo Reflect® Card
vs. Citi® Diamond Preferred® Card

If you're looking for a credit card with a generous introductory APR period and no annual fee, you may be considering the Wells Fargo Reflect Card and the Citi Diamond Preferred Card. The Wells Fargo Reflect Card is generally better for longer financing needs, offering a 0% intro APR for 21 months on both purchases and balance transfers. The Citi Diamond Preferred Card provides a 0% intro APR for 12 months on purchases and 21 months on balance transfers, but it also includes access to Citi Entertainment.

You might prefer the Wells Fargo Reflect® Card if: You're planning a significant purchase or you're considering transferring a balance and you want a generous amount of time to pay it off without interest. The Reflect® Card offers a 0% intro APR for 21 months on both purchases and balance transfers, which is one of the longest available periods in the market. This could provide substantial savings on interest, making it a strong option for those with existing high-interest debt or upcoming expenses. Additionally, with a late fee of up to $40, it's slightly more forgiving than its competitor if a payment is missed.

You might prefer the Citi® Diamond Preferred® Card if: you like Citi and you'd like to start building a payment history with them. The Citi® Diamond Preferred® Card also offers a 0% intro APR for 21 months on balance transfers, its 0% intro APR on purchases lasts for 12 months, which is shorter than the Reflect® Card's offer. The Wells Fargo Reflect is the stronger card, it isn't by much.

The Wells Fargo Reflect Card is a standout option for those looking to consolidate debt and enjoy a lengthy introductory APR period. With a MoneyGeek balance transfer card rating of 5 out of 5, it's among the top choices for balance transfers. The card offers an impressive 0% introductory APR for 21 months on both purchases and balance transfers, which can be a significant benefit for individuals with existing debt looking to minimize interest charges.

While the card does not offer rewards or cash back, its value lies in its potential to help cardholders manage their finances more effectively during the introductory period. After the intro period, the APR becomes variable at 18.24%, 24.74% or 29.99%. The Wells Fargo Reflect Card also boasts no annual fee, making it a cost-effective option for those who prioritize savings on interest and fees over earning rewards.

The Citi® Diamond Preferred® Card, with a MoneyGeek Balance Transfer Score of 4.2 out of 5, is a standout choice for those looking to transfer existing balances. Its most notable feature is the lengthy 21-month 0% introductory offer on balance transfers, which can provide significant breathing room for managing debt. However, it's important to note that this card does not offer rewards or cash back, making it less suitable for those seeking to earn points or miles on their purchases.

With no annual fee and a recommended credit score range of 670 to 850, the Citi® Diamond Preferred® Card is tailored for individuals with good to excellent credit who prioritize debt consolidation over earning rewards. Additional perks include access to Citi Entertainment®, offering special access to tickets for events, concerts, and more. If your financial strategy is centered around minimizing interest on existing debt, this card could be a valuable tool in your wallet.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. This side-by-side analysis enables you to weigh the benefits and drawbacks of each card against your financial behavior and goals. Use this section to align card features with your financial needs.