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 Wells Fargo Reflect cards don't offer rewards or welcome bonuses, but they do come with a lengthy 0% intro APR.
When comparing the intro APR periods, the Citi Diamond Preferred card provides a longer 0% intro period for balance transfers, while the Wells Fargo Reflect card offers a longer 0% period for 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 a few scenarios where the Wells Fargo Reflect Card might be a better fit:
- You Want Longer 0% APR On Purchases: If you're looking for a longer 0% APR period on purchases, the Wells Fargo Reflect Card offers an extended interest-free window, making it a great option for larger purchases.
- You Want Better Extra Perks: The Reflect Card also stands out for its added benefits, including Cellular Telephone Protection, Roadside Dispatch®, and My Wells Fargo Deals, providing extra value beyond just the 0% APR.
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%
unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores like Walmart® and Target®). You’ll also earn 1% on all other purchases. Plus, you get 10% cash back on purchases through Uber and Uber Eats, 8% on Capital One Entertainment purchases, and 5% on hotels and rental cars booked through Capital One Travel
|
1.5% – 5%
5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining (including takeout and eligible delivery), 3% on drugstore purchases, and 1.5% on all other purchases
| 1.5%
unlimited 1.5% cash back on all purchases
|
Welcome bonus |
$250
$250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
|
$250
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 you make at least $1,000 in purchases in the first 90 days of account opening.
|
Foreign Transaction Fee | $0
| 3%
| 3% |
Purchase APR | 19.74% – 29.74% (Variable)
| 19.99 – 28.74% variable
| 18.74% – 28.74% Variable APR |
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?
