Card Comparison
Citi Double Cash vs Wells Fargo Reflect
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
3%
Signup Bonus
$200 credit
Spend $1,500 in 6 months
None
Top Earn Rates
- Citi Travel 5x
- All Other Purchases 2x
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
Common Questions: Citi Double Cash vs Wells Fargo Reflect
Is the Citi Double 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 Double Cash currently offers $2 signup bonus (spend $1,500 in 6 months). Wells Fargo Reflect offers no current bonus. Citi Double Cash has the larger bonus.
Which card is better for international travel?
Both cards charge foreign transaction fees (Citi Double Cash: 3%, Wells Fargo Reflect: 3%). Consider a no-foreign-fee card for international travel.
Can I hold both the Citi Double 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 Double Cash is from Citi and Wells Fargo Reflect is from Wells Fargo, so they're governed by separate bank policies.