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.
Which Extra Benefits You'll Get With Each Card?
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
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 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?
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.
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?
