Home › Credit cards › Compare › Wells Fargo Reflect vs Citi Diamond Preferred

Wells Fargo Reflect vs Citi Diamond Preferred

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: Wells Fargo Reflect 55.4%, Citi Diamond Preferred 56.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Wells Fargo Reflect nets $0/yr, Citi Diamond Preferred nets $0/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeReflect: 10.0 · Preferred: 10.0
• Rewards rateReflect: 0.0 · Preferred: 0.0
• Sign-up bonusReflect: 0.0 · Preferred: 0.0
• Intro 0% APRReflect: 10 · Preferred: 10
• Regular APRReflect: 7.8 · Preferred: 8.5
• Foreign transaction feeReflect: 3.0 · Preferred: 3.0
• Regulatory record (CFPB)Reflect: 8.0 · Preferred: 8.0

Downsides

• Wells Fargo Reflect55.4%
  Wells Fargo · balance transfer
  Annual fee $0APR 17.74%–28.49% variableRewards No rewards program shownCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.49% if you carry a balance

• Citi Diamond Preferred56.4%
  Citi · balance transfer
  Annual fee $0APR 16.74%–27.49% variableRewards 0% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 27.49% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Wells Fargo Reflect or Citi Diamond Preferred?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.