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CardCurator — Rewards Intelligence
Card Comparison

Citi Simplicity vs Wells Fargo Reflect

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

Citi Simplicity card art
Citi ThankYou Points
Citi Simplicity
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
3%
3%
Signup Bonus
None
None
Top Earn Rates
1x base rate
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 Simplicity vs Wells Fargo Reflect

Is the Citi Simplicity 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?

Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.

Which card is better for international travel?

Both cards charge foreign transaction fees (Citi Simplicity: 3%, Wells Fargo Reflect: 3%). Consider a no-foreign-fee card for international travel.

Can I hold both the Citi Simplicity 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 Simplicity is from Citi and Wells Fargo Reflect is from Wells Fargo, so they're governed by separate bank policies.