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CardCurator — Rewards Intelligence
Card Comparison

Citi Custom Cash vs Wells Fargo Reflect

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Custom Cash card art
Citi ThankYou Points
Citi Custom Cash
Citi
More Info
Wells Fargo Reflect card art
Wells Fargo Cash Rewards
Wells Fargo Reflect
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
$200 credit
Spend $1,500 in 6 months
None
Top Earn Rates
  • Top Eligible Category 5x
  • All Other Purchases 1x
1x base rate
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
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Common Questions: Citi Custom Cash vs Wells Fargo Reflect

Is the Citi Custom Cash or Wells Fargo Reflect better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Citi Custom Cash currently offers $2 signup bonus (spend $1,500 in 6 months). Wells Fargo Reflect offers no current bonus. Citi Custom Cash has the larger bonus.

Which card is better for international travel?

Citi Custom Cash charges no foreign transaction fees — the better pick for international use. Wells Fargo Reflect charges 3% on foreign purchases.

Can I hold both the Citi Custom Cash and the Wells Fargo Reflect?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Custom Cash is from Citi and Wells Fargo Reflect is from Wells Fargo, so they're governed by separate bank policies.