Credit Cards » Compare Credit Cards » Wells Fargo Reflect Card vs. Citi Diamond Preferred Card
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Wells Fargo Reflect Card vs. Citi Diamond Preferred Card

Both the Citi Diamond Preferred and the Wells Fargo Reflect card don't offer rewards or welcome bonuses, but a 0% intro APR. Which card wins?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Both the Wells Fargo Reflect Card and the Citi Diamond Preferred Card stand out as excellent choices for consumers in search of a balance transfer card.

In this exploration, we'll navigate through the specific features, advantages, and applicability of these credit cards, providing insights into how they cater to a range of financial preferences

General Comparison: Wells Fargo Reflect vs. Citi Diamond

Both the Citi Diamond Preferred and the Wells Fargo Reflect card don't offer rewards or welcome bonuses. Instead, cardholders are eligible for a long 0% intro APR. 

When comparing the 0% intro APR, Citi Diamond Preferred offers a longer 0% intro period on balance transfers, while the Reflect card offers a longer 0% period on purchases.

citi diamond preferred

Wells Fargo ReflectSM Card (1)

Citi Diamond Preferred
Wells Fargo Reflect Card
Annual Fee
$0
$0
Rewards
None
N/A
Welcome bonus
None
N/A
0% Intro APR
21 months on balance transfers and 12 months on purchases then 18.24% – 28.99% (Variable) APR
21 months on purchases and balance transfers then 18.24% to 29.99% variable APR
Foreign Transaction Fee
3%
3%
Purchase APR
18.24% – 28.99% (Variable)
18.24% to 29.99% variable APR
Read Review
Read Review

Which Extra Benefits You'll Get With Each Card?

Each card offers a couple of additional benefits. The Reflect card extra benefits are more attractive as they include vell phone protection and roadside dispatch.

Citi Diamond Preferred

citi diamond preferred

  • Automatic Account Alerts: Citi Diamond Preferred provides peace of mind with automatic account alerts, notifying you about balance levels, upcoming payments, or exceeding your credit limit through email or mobile notifications.
  • $0 Liability on Unauthorized Charges: With Citi Diamond Preferred, you enjoy complete protection against unauthorized charges, ensuring you won't be held responsible for any unauthorized transactions online or otherwise.
  • Free Access to Your FICO® Score: The card offers complimentary access to your FICO® Score, empowering you with valuable insights into your credit health.
Wells Fargo Reflect Card

Wells Fargo ReflectSM Card (1)

  • Cellular Telephone Protection: Enjoy up to $600 in cell phone protection by paying your monthly cell phone bill with your eligible Wells Fargo card, subject to a $25 deductible.

  • Roadside Dispatch: Access a 24/7 on-demand referral dispatch network for emergency roadside assistance, towing, or locksmith services.

  • My Wells Fargo Deals: Benefit from personalized deals from various merchants through My Wells Fargo Deals, allowing you to earn cash back as an account credit when you shop, dine, or experience various services using an eligible Wells Fargo credit card.

  • Zero Liability Protection: Rest easy knowing you won't be held responsible for unauthorized transactions as long as they're reported promptly, thanks to built-in protection features

When You Might Prefer The Wells Fargo Reflect Card?

Here are situations where the Reflect Card could be the better choice:

  • You Want Longer 0% APR On Purchases: The Wells Fargo Reflect Card could be the preferred choice when seeking a longer 0% APR period on purchases, providing an extended timeframe for interest-free spending.
  • You Want Better Extra Perks: Opting for the Reflect Card is advantageous for those valuing additional perks, including Cellular Telephone Protection, Roadside Dispatch®, and My Wells Fargo Deals, enhancing the overall cardholder experience with supplementary benefits.

When You Might Prefer The Citi Diamond Preferred?

Here are situations where the Citi Diamond Preferred could be the better choice:

  • You Want Longer 0% APR On Balance Transfers: The Wells Fargo Reflect Card stands out as the superior option for individuals requiring a more extended 0% APR period on balance transfers, offering a favorable timeframe for managing and paying off existing debt.
  • You Prefer To Do Business With Citi: If you favor the Citi network, either because of existing banking connections or the convenience of Citi ATMs, opting for the Citi Diamond Preferred Card may better align with your overall financial ecosystem.

Compare The Alternatives

If you're looking for cards with 0% intro APR, here are some good options:

Capital-One-Savor-One

chase freedom unlimited card

Bank of America® Unlimited Cash Rewards Credit Card

Capital One Savor card
Chase Freedom Unlimited® card
Bank of America Unlimited Cash Rewards
Annual Fee
$0
$0
$0
Rewards
1% – 8% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases. 10% percent cash back on purchases made through Uber and Uber Eats. 8% cash back on Capital One Entertainment purchases. 5% cash back on hotels and rental cars booked using Capital One Travel.
1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
1.5% unlimited 1.5% cash back on all purchases
Welcome bonus
$200 $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
$200 $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Foreign Transaction Fee
$0
3%
3%
Purchase APR
19.99% – 29.99% variable
20.24%–28.99% variable
18.24% – 28.24% variable APR on purchases and balance transfers

Compare Citi Diamond Preferred Card

The Citi Diamond Preferred and Simplicity cards don't offer rewards or welcome bonuses – just a long 0% intro APR. Here's our winner:

Citi Simplicity vs. Citi Diamond Preferred: Which Is Better?

Each of these cards has its own goal – transferring your balance and use the long 0% intro APR, or getting decent rewards & sign up bonus

Citi® Diamond Preferred® vs Citi Rewards+® Card: Which Card Is Best?

In terms of 0% intro APR, the BankAmericard outshines the Diamond Preferred card. But what about other benefits? Here's our comparison

BankAmericard vs. Citi Diamond Preferred Card: How They Compare?

Compare Wells Fargo Reflect Card

Wells Fargo has recently launched a new set of credit cards, and these two are at the top of the list. Which of them offers more and is it worth it?

Wells Fargo Active Cash vs Reflect Card: Which One Wins?

The Autograph Card is best for earning rewards on common travel categories, while the Reflect Card is a better option for a long 0% intro APR.

Wells Fargo Reflect vs. Autograph Card: How They Compare?

BankAmericard is the winner, offering a longer 0% intro period on purchases than the Reflect card and a lower APR. Here's our comparison.

BankAmericard vs. Wells Fargo Reflect Card: How They Compare?

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.