Citi vs Wells Fargo
Wells Fargo CARDS pays 18.49% APR; Citi CARDS pays 20.24%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Citi
20.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Open with Citi →Option B
Wells Fargo
18.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 60,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Open with Wells Fargo →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.