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Wells Fargo Reflect vs Citi Simplicity (2026)

Wells Fargo Reflect vs Citi Simplicity (2026): annual fee, rewards, intro APR, regular APR, foreign fees and CFPB record from official issuer pages, as of 2026-10-11. Not credit advice.

Not credit advice. Rates, fees and offers change often; every value shows its as-of date (2026-10-11) and links to the issuer's page. Verify on the issuer's site before applying. Approval depends on your credit. Unlisted beta.

Verdict

Too close to call: Wells Fargo Reflect and Citi Simplicity (within 3 points). Cards under 75% data coverage get a limited data badge and can't be the pick; cards missing annual fee or regular APR can't be the pick.

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Ranking

#	Card	Score	Annual fee	Rewards	Sign-up bonus	Intro 0% APR	Regular APR	Foreign fee	Credit needed
1	Wells Fargo Reflect Wells Fargo · balance transfer	55.4% coverage 100%	$0	No rewards program shown	≈$0 No sign-up bonus shown	21 mo 0% intro APR 21 months on purchases and qualifying balance transfers	17.74%–28.49% variable	3% 3% of each transaction converted to U.S. dollars (FAQ + Pricing Addendum)	not found
2	Citi Simplicity Citi · balance transfer	53.4% coverage 100%	$0	No rewards program	≈$0 No sign-up bonus shown	18 mo 0% intro APR 18 months on purchases and balance transfers	17.74%–28.49% variable	3%	not found

Scoring rubric (equal weights by default)

Annual fee: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (statement credits/perks not counted)
Rewards rate: base rate/2%×7 + min(top category,6%)/6%×3; points & miles valued at 1¢
Sign-up bonus: ≈ dollar value/$75, max 10
Intro 0% APR: months/21×10
Regular APR: (34 − midpoint of range)/1.4
Foreign transaction fee: none=10, charged=3
Regulatory record: issuer-level CFPB enforcement in last 5 years: base 10, −2 consent order/redress/≥$25M, −1 smaller, 0 dismissed

Regulatory record (CFPB, issuer level)

Wells Fargo: CFPB 2022-12: Consent order: $3.7B ($2B+ redress, $1.7B penalty) for auto loan, mortgage and deposit account mismanagement
Citi: CFPB 2023-11: Consent order: $25.9M ($24.5M penalty + $1.4M redress) for discriminating against Armenian-American credit card applicants; order terminated Oct 2025

The math

Wells Fargo Reflect: 0.143×10.0 + 0.143×0.0 + 0.143×0.0 + 0.143×10 + 0.143×7.8 + 0.143×3.0 + 0.143×8.0 = 5.54 → 55.4%
Citi Simplicity: 0.143×10.0 + 0.143×0.0 + 0.143×0.0 + 0.143×8.6 + 0.143×7.8 + 0.143×3.0 + 0.143×8.0 = 5.34 → 53.4%