Citi Simplicity Credit Card vs Reflect Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Citi Simplicity Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Reflect Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
The short answer
- On typical spending both cards are worth about $312 a year after fees.
Side by side
| Citi Simplicity Credit Card | Reflect Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | The Citi Simplicity® Credit Card does not earn rewards, but offers benefits such as no late fees, no penalty rate, and no annual fee | The card offers personalized deals through My Wells Fargo Deals, allowing cardholders to earn cash back as account credits |
| Welcome bonus | None | None |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 15 months | 0% for the first 21 months |
| Regular APR | 19.99% to 28.99% variable | 17.74% to 24.24% variable |
| Foreign transaction fee | 3% | 3% |
| Credit needed | Good/Excellent | Not specified |
Yearly rewards by category
| Category (monthly spend) | Citi Simplicity Credit Card | Reflect Card |
|---|---|---|
| groceries ($500) | $60 | $60 |
| dining ($400) | $48 | $48 |
| gas ($200) | $24 | $24 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Citi Simplicity Credit Card or the Wells Fargo Reflect Card?
On typical spending the Citi Simplicity Credit Card is worth more: about $312 a year after its fee, against $312 for the Wells Fargo Reflect Card. Which is better for you depends on where you spend most; see the category answers below.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.