Head to head 
Citi Simplicity Card vs. Wells Fargo Reflect Card
On the criteria below, Wells Fargo Reflect Card wins 1 of 4. The verdict depends on which criteria matter to you.
Citi Simplicity Card
Citi
Wells Fargo Reflect Card
Wells Fargo
At a glance
Wells Fargo Reflect Card wins 1 of 4 criteria here, making it the stronger all-rounder.
Wells Fargo Reflect Card leads on travel insurance, while Citi Simplicity Card only ties the rest.
Who wins what
0 vs 1 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance Wells Fargo Reflect Card
Wells Fargo Reflect Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- —
- —
- Top categories
- —
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- —
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.