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Citi Diamond Preferred offers lower balance transfer fees; Wells Fargo Reflect has longer 0% APR on purchases.

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25 Jul 2026
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The Citi® Diamond Preferred® Card and Wells Fargo Reflect® Card both offer long 0% introductory APR periods, ideal for saving on interest. Citi's card has a 21-month 0% APR on balance transfers with a lower 3% intro transfer fee for the first 4 months, making it cheaper for balance transfers. Wells Fargo's card offers 21 months of 0% APR on both purchases and balance transfers but charges a higher 5% transfer fee. Citi is better for those focused on balance transfers, while Wells Fargo suits those who want to save on new purchases as well. Both have no annual fees and no rewards, focusing purely on interest savings.

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