Both the Wells Fargo Reflect® Card and the Citi Rewards+® Card offer introductory APRs on balance transfers and purchases. The Wells Fargo Reflect's 21-month 0% introductory APR maximizes interest savings, while the Citi Rewards+ offers rewards on all purchases and a welcome bonus for new cardholders.
Wells Fargo Reflect® Card
vs. Citi Rewards+® Card
Updated: December 1, 2024
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Wells Fargo Reflect® Card
Citi Rewards+® Card
On Issuer's Site
On Issuer's Site
Which Card Is Better for You?
You might prefer the Wells Fargo Reflect if you're making big purchases or consolidating debt. Its 21-month 0% intro APR on purchases and balance transfers gives you more time to pay off balances without interest.
You might prefer the Citi Rewards+ if you spend regularly on travel, groceries and gas. It maximizes everyday spending rewards, with points rounding up on purchases and 5X points on travel booked through CitiTravel.com until the end of 2025.
Head-to-Head Comparison: Card Details and Features
Evaluating APRs, fees, credit requirements, rewards and other features can help you find the right card. For a longer 0% APR on purchases and balance transfers, opt for the Wells Fargo Reflect. For earning points on everyday purchases, the Citi Rewards+ is a better choice.
Regular APR: Wells Fargo Reflect
The Wells Fargo Reflect has a lower starting APR at 18.24% compared to the Citi Rewards+ at 18.74%. This makes the Reflect slightly better for those who want a lower interest rate.
Annual Fee: Tie
The Wells Fargo Reflect and Citi Rewards+ have no annual fee, saving money for cardholders.
Introductory 0% APRs: Wells Fargo Reflect
The Wells Fargo Reflect offers a longer 0% APR period — 21 months for purchases and balance transfers — compared to the 15 months of Citi Rewards+. However, the Wells Fargo Reflect has a higher balance transfer fee of 5%.
Rewards: Citi Rewards+
The Citi Rewards+ offers up to 2X points at supermarkets and gas stations and 1X point on all other purchases. The Wells Fargo Reflect doesn't offer any rewards.
Welcome Offers: Citi Rewards+
The Citi Rewards+ provides 20,000 bonus points after $1,500 spent in the first three months, equivalent to $200 in gift cards. The Wells Fargo Reflect Card doesn't offer a welcome bonus.
Recommended Credit Score: Tie
Both cards require a credit score of 670–850, making them equally accessible to those with good to excellent credit.
Penalties and Fees: Wells Fargo Reflect
The Wells Fargo Reflect has no penalty APR and a lower late fee (up to $40) compared to the Citi Rewards+ (up to $41). Both cards charge a 3% foreign transaction fee.
Issuer Satisfaction: Citi Rewards+
Customers report higher satisfaction with Citibank, the issuer of Citi Rewards+, with a rating of 4.1 compared to Wells Fargo's 4.0.
Other Features and Perks: Tie
The Wells Fargo Reflect offers up to $600 in cellphone protection and cash back through My Wells Fargo Deals. The Citi Rewards+ provides 5X points on travel booked through CitiTravel.com until December 31, 2025, rounds up points on every purchase and gives 10% points back on redemptions (up to 100,000 points per year).
Methodology
MoneyGeek assesses credit cards like the Wells Fargo Reflect and the Citi Rewards+ based on various use cases to give you tailored recommendations.
The highest score for both cards is in the balance transfer category. We consider factors like balance transfer offers, regular APR, issuer satisfaction and penalties.
FAQ: Wells Fargo Reflect vs. Citi Rewards+ Card
How do rewards differ between the cards?
The Wells Fargo Reflect doesn't offer rewards, while the Citi Rewards+ is a great rewards card that earns you points on all spending.
Which card has a longer introductory APR period?
The Wells Fargo Reflect is one of the best zero-interest cards, with 0% introductory APR for 21 months.
Do these cards have annual fees?
Both are cards with no annual fee.
How do the balance transfer fees compare between the two cards?
The Wells Fargo Reflect has a 5% balance transfer fee, while the Citi Rewards+ charges 3%.
Can I earn bonus points with the Wells Fargo Reflect or the Citi Rewards+?
You can earn up to 5X points with the Citi Rewards+. The Wells Fargo Reflect doesn't offer rewards.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.