Comparison Citi Double Cash vs Wells Fargo Reflect Card

The Citi Double Cash® Card and the Wells Fargo Reflect® Card are both excellent no-annual-fee credit cards — but they serve very different types of cardholders.
One focuses on long-term savings with a record-setting 0% APR intro period, while the other offers consistent cash back on everything you buy.

The Citi Double Cash® Card is one of the best flat-rate cash back cards on the market today.
With unlimited 2% back on every purchase — 1% when you buy and 1% when you pay — it’s a favorite among users who want predictable, ongoing rewards without tracking bonus categories.
Citi also recently added limited-time 5% cash back on select travel when booked through the Citi Travel℠ portal, which adds even more value.
The card offers a welcome bonus of $200 in the form of 20,000 ThankYou® Points after spending $1,500 within the first six months, making it accessible to a wide audience.
One of the biggest highlights is the long 18-month 0% intro APR on balance transfers, helping users who want to consolidate debt without paying interest.

The Wells Fargo Reflect® Card is a different kind of tool.
Instead of focusing on rewards, it’s built to provide one of the longest 0% intro APR periods in the industry: up to 21 months on both purchases and balance transfers.
That’s nearly two years of no interest, which can be a game-changer for anyone managing large expenses or transferring a high-interest balance from another card.
However, it doesn’t offer any cash back or points system — it’s strictly about saving on interest. While there’s no sign-up bonus or ongoing rewards, this card shines in its simplicity and purpose.

In my view, the better card depends entirely on your financial needs.
If you value rewards, the Citi Double Cash® Card is a powerhouse.
It’s not just the high flat-rate rewards — it’s also the fact that it’s easy to use and has no categories to manage.
It’s especially good for people who use their cards for everything and want to maximize every dollar spent.

On the other hand, if you’re dealing with existing credit card debt or planning a big purchase you’d rather pay off over time without interest, the Wells Fargo Reflect® Card is likely the smarter choice. The 21-month intro period is almost unbeatable, offering long-term flexibility without fees.

Ultimately, if you’re a disciplined spender looking for reliable cashback, Citi Double Cash wins.
But if your goal is to avoid interest for as long as possible, especially for balance transfers or big purchases, the Reflect card may be your financial safety net.