Updated: August 8, 2024
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The Wells Fargo Reflect® Card and the Citi Simplicity® Card offer 0% introductory APRs for managing debt or financing purchases without interest. Neither card offers rewards, but both save money on balance transfers and purchases.
The Wells Fargo Reflect has a longer 0% APR offer on purchases and perks like cellphone protection. The Citi Simplicity has lower balance transfer fees and no late fees or penalty rates.
You might prefer the Wells Fargo Reflect if you want a longer 0% intro APR on purchases. It offers extra benefits like cellphone protection and cash back through My Wells Fargo Deals.
You might prefer the Citi Simplicity if you're looking to save with lower balance transfer fees and no late payment fees or penalty rates.
Compare APRs, fees and credit requirements to find the right card. Choose the Wells Fargo Reflect for a 21-month 0% APR on purchases or the Citi Simplicity for a lower 3% balance transfer fee.
Regular APR: Wells Fargo Reflect
The Wells Fargo Reflect offers a slightly lower starting APR at 18.24% than the Citi Simplicity's 19.24%. Both cards have a variable APR that can go up to 29.99%.
Annual Fee: Tie
The Citi Simplicity and the Wells Fargo Reflect have no annual fee, helping cardholders save on costs.
Introductory 0% APRs: Tie
Both cards offer a 0% introductory APR on balance transfers for 21 months. However, the Wells Fargo Reflect also extends this offer to purchases. The Citi Simplicity has a lower balance transfer fee of 3% than Wells Fargo Reflect's 5%.
Rewards: Tie
Neither the Wells Fargo Reflect nor the Citi Simplicity offers rewards such as cash back, miles or points.
Welcome Offers: Tie
Neither the Wells Fargo Reflect nor the Citi Simplicity offers a welcome bonus. Both cards focus on other benefits, such as 0% introductory APRs, rather than upfront rewards or perks.
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: Citi Simplicity
The Citi Simplicity is better for penalties and fees, without late fees or penalty rates. Both cards charge a 3% foreign transaction fee and similar cash advance fees.
Issuer Satisfaction: Citi Simplicity
Citi Simplicity's issuer, Citibank, has a higher satisfaction rating of 4.1 than Wells Fargo's 4.0, Reflect's issuer.
Other Features and Perks: Tie
Both cards offer unique perks. The Wells Fargo Reflect provides up to $600 in cellphone protection and access to My Wells Fargo Deals for personalized shopping and dining deals. The Citi Simplicity includes the Citi Quick Lock feature for added security.
MoneyGeek evaluates credit cards like the Wells Fargo Reflect and the Citi Simplicity using a tailored scoring system for different use cases. This approach helps you choose the card that meets your financial needs.
We assess both cards based on their balance transfer performance, focusing on the quality of the offer and regular APR. For more details on our process, you can review our ranking methodology.
Both cards offer a 0% intro APR for 21 months on balance transfers. The Wells Fargo Reflect also extends this to purchases.
Both cards have no annual fee.
Both cards require good to excellent credit scores of 670–850.
Neither card offers rewards, focusing on other features like balance transfers.
The Wells Fargo Reflect has a 5% balance transfer fee, while the Citi Simplicity charges 3% or $5 per transfer, whichever is higher.
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.
