Wells Fargo Reflect® vs. Citi Custom Cash® Card

Side-by-side comparison · Updated 2026 · Independently reviewed

Wells Fargo logo
Wells Fargo Reflect®
Wells Fargo
4.5

0% intro APR for up to 21 months. No annual fee.

Full review →
Citi logo
Citi Custom Cash® Card
Citi
4.6

5% cash back on your top eligible category each month.

Full review →
WealthSpott Verdict

Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. Citi Custom Cash® Card may still win for your wallet depending on how you spend.

Feature
Wells Fargo Reflect®
Citi Custom Cash®
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
0%
1%-5%
Rewards Type
None
Cash Back
0% Intro APR
0% intro APR for up to 21 months
0% for 15 months
Regular APR
18.24%-29.99% Variable Best
19.24%-29.99% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
  • 0% intro APR for up to 21 months
  • No annual fee
  • Cell phone protection included
Cons
  • No rewards program at all
  • 3% foreign transaction fee
Full review
Citi Custom Cash® Card
Pros
  • 5% on top category (up to $500/quarter)
  • No annual fee
  • Categories include gas, groceries, dining
Cons
  • Only one category earns 5% per month
  • Foreign transaction fee
Full review

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