Wells Fargo Reflect® vs. Citi Simplicity®
Side-by-side comparison · Updated 2026 · Independently reviewed
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. Citi Simplicity® may still win for your wallet depending on how you spend.
Feature
Wells Fargo Reflect®
Citi Simplicity®
Annual Fee
$0
$0
Sign-up Bonus
None
None
Rewards Rate
0%
0%
Rewards Type
None
None
0% Intro APR
0% intro APR for up to 21 months
0% for 12 months
Regular APR
18.24%-29.99% Variable Best
18.49%-28.99% 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
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
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