Wells Fargo Reflect® Card
vs. Citi Simplicity® Card

Both the Wells Fargo Reflect Card and the Citi Simplicity Card are great balance transfer cards offering almost two years of zero interest on balance transfers. The Wells Fargo Reflect Card has a stronger 0% APR intro offer with a 21-month 0% intro APR period on both new purchases and balance transfers. The Citi Simplicity Card also offers a 21-month 0% APR on balance transfers but has a shorter 12-month 0% APR on new purchases. In the Citi Simplicity Card's favor, it has no late fees and a lower balance transfer fee than Wells Fargo Reflect.

You might prefer the Wells Fargo Reflect Card if: you're planning significant purchases or you're looking to consolidate debt and want the longest possible time to pay off your balance without interest. With its 0% intro APR for 21 months on both purchases and balance transfers and the potential to extend this period by up to 3 months with on-time minimum payments, this card offers a generous window to manage your finances. There's a late fee of up to $40, but with careful management, the Wells Fargo Reflect Card can provide substantial savings on interest, making it a strong choice for those with good financial habits.

You might prefer the Citi Simplicity Card if: you value customer service highly and want to avoid late fees. The card's 0% intro APR on balance transfers lasts for 21 months, and while it's shorter for purchases at 12 months, this could still be ample for your needs. The Citi Simplicity Card stands out with its no late fee policy, which can offer peace of mind if you're sometimes a bit tardy with payments. Additionally, its slightly higher issuer satisfaction rating suggests that you might enjoy a better customer service experience with Citibank.

The Wells Fargo Reflect Card earns a perfect score of 5.0 for balance transfers, according to MoneyGeek's ratings. This card is an excellent choice for individuals looking to consolidate debt or finance a purchase without incurring interest for an extended period. The card offers a 0% introductory APR for 21 months on purchases and balance transfers, among the longest introductory periods available. With no annual fee, it's a cost-effective option for those with good to excellent credit. However, it's important to note that the Wells Fargo Reflect Card does not offer rewards or cash back, making it less suitable for those seeking to earn points or cash rewards on their spending.

The Citi Simplicity Card, with a MoneyGeek balance transfer score of 4.6 out of 5, is a strong contender for those seeking a lengthy 0% intro APR on balance transfers. Citibank offers this card with no annual fee, making it an attractive option for individuals looking to consolidate and pay off existing credit card debt without incurring extra costs. The card has a 21-month 0% intro APR on balance transfers, which is among the longest available. Cardholders benefit from no late fees or penalty rates, providing a forgiving environment for managing credit balances. While the card does not offer rewards or cash back, its value lies in the potential savings from interest fees, especially for those with a good to excellent credit score.

We compare APRs, fees, required credit and other features of the Wells Fargo Reflect Card with those of the Citi Simplicity Card. Use this section to gauge which card aligns with your financial habits, whether you're looking to transfer a balance or make a large purchase without immediate interest. For example, consider Citi Simplicity if avoiding late fees is a priority. If a longer intro purchase APR period is crucial, consider the Wells Fargo Reflect Card.