Want to save on interest for almost two whole years? If so, the Citi® Diamond Preferred® Card and Wells Fargo Reflect® Card (rates and fees) are two of my top credit card recommendations.
But which is better for saving on balance transfers specifically?
To me, the Citi® Diamond Preferred® Card is the better pick. It has the same long intro APR offer as the Wells Fargo Reflect® Card, plus a lower intro balance transfer fee. That means you’re saving money right off the bat, potentially hundreds of dollars.
If you also want to save on upcoming purchases, though, the Wells Fargo Reflect® Card pulls ahead. Here’s what to know.
Wells Fargo Reflect Card vs. Citi Diamond Preferred: Citi Diamond Preferred has a lower intro balance transfer fee
The Citi® Diamond Preferred® Card offers a fee deal: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
On a transfer of, say, $6,000 made in that early window, a 3% transfer fee will cost you $180. Compare that to the Wells Fargo Reflect Card’s flat 5%, min: $5 fee, which comes out to $300 — that’s $120 in savings right off the bat.
If saving on a balance transfer is your priority — and you know you can move quickly with it — the Citi® Diamond Preferred® Card is the way to go. One of the longest intro APR offers you can find plus a 3% intro transfer fee is pretty much impossible to beat.
Wells Fargo Reflect Card vs. Citi Diamond Preferred: Wells Fargo Reflect Card has a longer intro APR on purchases
The Citi® Diamond Preferred® Card offers 0% intro APR for a full 21 months on Balance Transfers. But the 0% intro APR is only 12 months on Purchases. An ongoing 16.49% – 27.24% (Variable) APR applies after.
The Wells Fargo Reflect® Card, meanwhile, offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. It’s pretty much the best savings double-whammy you’ll find on any credit card. A 17.49%, 23.99%, or 28.24% Variable APR applies after.
If you want the longest runway possible to save on interest of all kinds, the Wells Fargo Reflect® Card is the right choice.
Wells Fargo Reflect Card vs. Citi Diamond Preferred: Other features are pretty comparable
The Citi® Diamond Preferred® Card’s ongoing APR runs 16.49% – 27.24% (Variable), based on your creditworthiness. The Wells Fargo Reflect® Card has an ongoing 17.49%, 23.99%, or 28.24% Variable APR.
Both cards have no annual fee, and neither card earns rewards. So they’re both laser-focused on helping you save as much on interest as possible.
Don’t underestimate how much one of these cards can save you, either. The average American credit card debt is $6,715, per Motley Fool Money research. At 20%+ APR, that adds up fast. But a 21-month runway means you can pay nothing in interest with low monthly payments of around $300.
Wells Fargo Reflect Card vs. Citi Diamond Preferred: Which card actually fits your situation?
Both of these cards are favorites of ours when it comes to saving on interest. The Citi® Diamond Preferred® Card earned our award for the Best Balance Transfer Credit Card for 2026, largely on the strength of that lower intro transfer fee. The Wells Fargo Reflect® Card won Best 0% Intro APR Credit Card for 2026, thanks to its equally long window on purchases.
If you’re transferring a balance and nothing else, the Citi® Diamond Preferred® Card wins. The lower intro fee means more of your money goes right toward paying down principal. But if you’re transferring a balance and also expect to put new purchases on your card, the Wells Fargo Reflect® Card is the stronger choice.
If you want a long runway on balance transfers, you can’t really go wrong with either card. And if you want to compare all your options, it’s worth checking out our list of the best balance transfer cards available now before you apply.