Wells Fargo Reflect vs Citi Simplicity Credit Card

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Interest on credit cards is expensive. But some cards are designed to help you save on interest with an introductory interest rate of 0% – whether you need to pay off existing debt or have a big purchase to make and want some flexibility. with the repayment period.

Of these types of cards, the Wells Fargo Reflect Card and the Citi Simplicity Card are two of the best options available today. Both have long introductory periods for balance transfers and also extend their introductory rates to new purchases.

The main differences between these two cards are the time periods you’ll get 0% APR for balance transfers and purchases, and the fees you’ll pay to consolidate debt. These may seem like small details, but they can make a big difference to your costs over time.

Here’s what you need to know to determine which of these 0% APR cards is right for you:

Side by side comparison

Wells Fargo Reflect Card Citi Simplicity Card
Annual fees $0 $0
Intro APR for balance transfers 0% APR for 18 months, with the option to extend for three months when you make at least your minimum monthly payment on time during the introductory and extension periods (followed by a variable APR of 12.99% at 24, 99% 0% APR for 21 months (followed by a variable APR of 14.74% to 24.74%)
Intro APR for purchases 0% APR for 18 months, with the possibility of an additional three months when you make at least your minimum monthly payment on time during the introductory and extended periods (followed by a variable APR of 12.99% to 24.99 %) 0% APR for 12 months (followed by a variable APR of 14.74% to 24.74%)
Balance Transfer Fee 3% balance transfer fee (minimum $5) on balances transferred within the first 120 days, then 5% (minimum $5) 5% balance transfer fee (minimum $5)
*Balance transfers must be completed within four months of account opening
Other benefits Mobile phone protection
Roadside Expedition
Citi Identity Theft Solutions

0% Intro APR for purchases

If you’re looking for a card to pay for new purchases over time, the Wells Fargo Reflect Card comes with a premium introductory offer. You can avoid interest on purchases for at least 18 months, then enjoy an additional 3 months interest-free as long as you make at least the minimum payment on your card during the introductory and extension periods.

This means you can receive 0% APR on new purchases for a full 21 months if you avoid late payments. Making payments on time and in full each month is a good habit to practice anyway, as it can help you maintain good credit and avoid additional charges.

In contrast, the Citi Simplicity Card only offers 0% APR on purchases for 12 months. It’s a decent introductory period length, but if your main goal is to pay off a new purchase over time, you’ll get a lot more flexibility with the Wells Fargo Reflect card.

Introductory offers for balance transfers

These two cards are relatively equal in terms of balance transfer offers – at least until you read the fine print.

The Wells Fargo Reflect Card offers cardholders 0% APR on balance transfers for 18 months with the option of three additional months, if you make monthly payments on time during the introductory and extension periods. The Citi Simplicity Card has a 0% APR on balance transfers for 21 months as a standard offer.

That said, the Wells Fargo Reflect card charges a 3% balance transfer fee for balances transferred within the first 120 days, while the Citi Simplicity charges a 5% balance transfer fee. It’s a slight increase, but it can add up quickly. If you used either card to consolidate $10,000 in credit card debt, that’s a difference of $300 or $500 in balance transfer fees.

Comparison of rewards and benefits

None of these credit cards offer rewards or many benefits, but this is quite common among balance transfer and 0% APR credit cards. Their biggest advantage is the ability to pay off balances over time without interest.

However, the Wells Fargo Reflect card is slightly ahead in this category, as it includes roadside assistance and up to $600 of cell phone insurance, subject to a $25 deductible.

Fees and costs

None of these cards charge an annual fee, and they have the same 3% foreign transaction fee and 5% cash advance fee (minimum $10).

The Citi Simplicity card doesn’t charge any late fees, which is a minor plus to consider, but there is a returned payment fee of up to $40. The Wells Fargo Reflect Card charges up to $40 in fees for a late payment or returned payment (and you can waive the extension period of your 0% APR offer with a late payment).

Finally, both cards charge similar variable APRs after the introductory period ends. You’ll pay a varying APR of 12.99% to 24.99% for any balance you carry on the Wells Fargo Reflect, while the Citi Simplicity charges 14.74% to 24.74%.

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Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Editor’s note: (4.2/5)
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Citi Simplicity® Card

Citi Simplicity® Card

Editor’s note: (4.0/5)
  • Introductory offer:

    N / A

  • Annual subscription :

    $0

  • Regular APR:

    14.74% – 24.74% (Variable)

  • Recommended credit:

    670-850 (good to excellent)

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U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Editor’s note: (4.1/5)

Deciding between Wells Fargo Reflect Card and Citi Simplicity Card

Editorial independence

As with all of our credit card reviewsour analysis is not influenced by any advertising partnership or relationship.

Whether you’re considering those 0% APR credit cards for debt consolidation or for an upcoming large purchase, the Wells Fargo Reflect card is a clear winner. You’ll get 0% APR on purchases for a much longer term of 18 months (with the option of a three-month extension) compared to Citi Simplicity’s 12-month offer. Plus, the 3% balance transfer fee can help you reduce debt consolidation costs compared to Citi Simplicity’s 5% fee.

Pro tip

If you plan to consolidate your debt with the Wells Fargo Reflect card, do so within 120 days of opening the account. This will help you get a 3% (minimum $5) balance transfer fee instead of 5%.

The other benefits of the Reflect card are minor, but its cell phone protection could also help you save money and stay covered in case of damage or theft.

If you’re looking to save money on interest with a 0% APR credit card, be sure to compare all the offers that best suit your time frame and goals. Comparing different options can also help you see which cards you are most likely to qualify for before applying.

Most importantly, make sure you have a plan to pay off your balance in full (or as much as possible) before your introductory period ends. Both of these cards – as well as other 0% APR cards – have very high ongoing APRs that can quickly lead to high interest debt.

David R. Brewer