Wells Fargo Reflect vs Citi Diamond Preferred
Citi Diamond Preferred saves $100 more on a $5,000 balance at 24%, paid down $250 a month.
Both cards, the same math, for someone moving a $5,000 balance at 24%, paid down $250 a month.
$1,133Wells Fargo Reflect · net savings
Saves more$1,233Citi Diamond Preferred · net savings
Side by side
The terms are each issuer’s own, verified on the date in the table. The math below them is our engine’s, for someone moving a $5,000 balance at 24%, paid down $250 a month.
Where the gap comes from
The widest line is transfer fee: Wells Fargo Reflect −$250, Citi Diamond Preferred −$150, $100 in favour of Citi Diamond Preferred.
No balance from $250 to $20,000, paid down the same each month, changes which card saves more.
Where the numbers came from: Wells Fargo’s page for the Wells Fargo Reflect, verified October 2, 2026, and Citi’s page for the Citi Diamond Preferred, verified October 2, 2026. The method is on how we pick.
Our math counts what the data holds: earn rates, the bonus, credits and fees. Each card’s own page lists its plain facts. Confirm the current offer with the issuer before you apply.
Where these cards show up
- Wells Fargo ReflectWells Fargo · for moving a balance, 21 months at 0% and a 5% fee
- Citi Diamond PreferredCiti · for moving a balance, 21 months at 0% and a 3% fee
- Best card for a 0% balance transferCiti Diamond Preferred first, at $1,233 saved.