Wells Fargo Reflect® Card
vs. Citi Rewards+® 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 Rewards+® Card. The Wells Fargo Reflect® Card is ideal for those who need a longer runway to pay off purchases or balance transfers with a 0% APR for 21 months. In contrast, the Citi Rewards+® Card is tailored for reward-seekers, offering 20,000 bonus points after $1,500 spent in the first three months and ongoing rewards.

You might prefer the Wells Fargo Reflect® Card if: You're looking for a lengthy introductory APR period to manage existing debt or plan for a large purchase. With a 0% intro APR for 21 months on both purchases and balance transfers, this card offers one of the longest interest-free periods available, which can provide substantial savings on interest charges. Additionally, with no annual fee and a recommended credit score range between 670 and 850, it's accessible to many consumers with good to excellent credit.

You might prefer the Citi Rewards+® Card if: Earning rewards on your everyday spending is a priority. This card offers 5X ThankYou Points on travel purchases through Citi and 2X points at supermarkets and gas stations for the first $6,000 per year, plus an attractive introductory offer of 20,000 bonus points after spending $1,500 in the first three months. The $0 annual fee makes it a cost-effective choice for those who want to earn rewards without incurring extra costs, and the recommended credit score range between 670 and 850 means it's suited for individuals with good to excellent credit.

The Wells Fargo Reflect Card earns a perfect score of 5 out of 5 in MoneyGeek's balance transfer card rating, indicating its exceptional value for those looking to transfer existing balances. With a generous 0% introductory APR for 21 months on both purchases and balance transfers, this card is ideal for individuals planning significant expenditures or aiming to consolidate and pay down debt without accruing interest.

The card requires a good to excellent credit score, ranging between 670 and 850, ensuring it's accessible to many consumers. Moreover, the absence of an annual fee adds to its appeal for cost-conscious users. While the card does not offer rewards or cash back, its long introductory APR period and low cost of ownership make it a strong contender for those focused on saving on interest rather than earning rewards.

The Citi Rewards+® Card, with a MoneyGeek Balance Transfer Score of 3.3 out of 5, caters to travelers looking to accumulate points for their adventures. The card offers a robust 5X ThankYou Points on travel purchases through Citi, making it a compelling option for frequent travelers. Additionally, new cardholders can earn 20,000 bonus points after spending $1,500 in the first three months, which can significantly boost their rewards balance.

With no annual fee and a 0% APR for 15 months on both purchases and balance transfers, this card provides a cost-effective way to manage existing debt or fund new purchases. However, it's worth noting that the card's earnings potential may be lower than other cards in the market, and there's a late fee of up to $41. The recommended credit range for potential cardholders is between 670 and 850, indicating that it's best suited for individuals with good to excellent credit.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features of the Wells Fargo Reflect Card and the Citi Rewards+ Card. This section is designed to guide you through each card's specifics. By examining these details, you can identify which card aligns with your spending habits and financial objectives.