Citi Double Cash vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Double Cash wins 3-0. Set-it-and-forget-it 2% on everything Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Citi Double Cash | Wells Fargo Reflect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (general) | · 1% (general) |
| Base reward rate | 2% | · 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Citi Double Cash vs Wells Fargo Reflect: which is better?
Citi Double Cash wins on more dimensions (3 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash for its best categories, Wells Fargo Reflect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.