Wells Fargo Reflect Card Review

As of October 18, 2022

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Wells Fargo Reflect® Card

Citi® Diamond Preferred® Card

Apply now for the Wells Fargo Reflect® Card

On Wells Fargo’s secure website.

Apply now for the Citi® Diamond Preferred® Card

On Citi’s secure website.

Rates and Fees

Credit rating requirements:

Good/Excellent (670-850)

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Falling within this credit range does not guarantee issuer approval. An application must be submitted to the issuer for a possible approval decision. There are different types of credit scores and lenders use a variety of credit scores to make loan decisions.



Credit rating requirements:

Good/Excellent (670-850)

Information icon Circle the letter I.

Falling within this credit range does not guarantee issuer approval. An application must be submitted to the issuer for a possible approval decision. There are different types of credit scores and lenders use a variety of credit scores to make loan decisions.



Welcome offer:

N/A

Welcome offer:


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For a limited time, get a $150 statement credit after you spend $500 on purchases in the first 3 months of account opening.


$150 statement credit

Rewards Program:

N/A

Rewards Program:

N/A

Introduction APR:


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0% introductory APR for 18 months from account opening on qualifying purchases and balance transfers. Introductory APR extension of up to 3 months with one-off minimum payments during the introductory and extension periods. The balance transfer fee is 3% for 120 days from account opening, then up to 5%; minimum: $5


Purchases: 0% introductory APR, up to 21 months from account opening

Balance transfers: 0% introductory APR, up to 21 months from account opening on eligible balance transfers

Introduction APR:

Purchases: 0%, 12 months

Balance transfers: 0%, 21 months

Usual APR:

15.99% – 27.99% (variable)

Usual APR:

15.99% – 26.74% (variable)

Annual fee:

$0

Annual fee:

$0

Highlights:

  • 0% introductory APR for 18 months from account opening on eligible purchases and balance transfers. Introductory APR extension for 3 months with one-off minimum payments during the introductory period. 15.99% to 27.99% variable APR thereafter; Balance transfers made within 120 days are eligible for the intro fee and 3% fee, then a BT fee of up to 5%, minimum $5.
  • $0 annual fee
  • Get up to $600 in cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can access personalized offers from a variety of merchants. It’s an easy way to earn cash as account credit when you shop, dine or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about product features, terms and conditions

Highlights:

  • 0% introductory APR for 21 months on balance transfers from the date of the first transfer and 0% introductory APR for 12 months on purchases from the account opening date. After that, the variable APR will be 15.99% to 26.74%, depending on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • For a limited time, get a $150 statement credit after you spend $500 on purchases in the first 3 months of account opening.
  • There is a balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater.
  • Get free access to your FICO® score online.
  • With Citi Entertainment®, you get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

Apply now for the Wells Fargo Reflect® Card

On Wells Fargo’s secure website.

Apply now for the Citi® Diamond Preferred® Card

On Citi’s secure website.

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