Citi vs Wells Fargo bonuses

As of Jul 21, 2026, Citi has 3 live sign-up bonuses, up to $1,500. Wells Fargo has 4, up to $825. Here is how they compare, verified against each institution's own terms.

The quick take. Citi has the bigger headline bonus right now ($1,500). Wells Fargo gives you more offers to choose from. The best pick is the one whose requirement you can actually meet, so weigh the figures below against your own cash and direct deposit.

At a glance

	Citi	Wells Fargo
Live sign-up bonuses	3	4
Biggest cash bonus	$1,500	$825
Bonus types	bank, card	bank, card
ChexSystems	Soft pull reported for checking	Soft pull reported for checking
Credit pull	Hard inquiry for cards	Hard inquiry for cards
Eligibility	Checking once per period; card once per 24 to 48 months (verify)	Checking: no Wells bonus in the past 12 months (verify current terms)

Current offers

Citi

Citigold Checking$1,500

Deposit $200,000+ within 20 days, maintain 60 days · sign-up bonus

Citi Double Cash$200

$1,500 in purchases in first 6 months · sign-up bonus

Citi AAdvantage Platinum Select80,000 miles

$3,500 in purchases in first 4 months · miles bonus

Wells Fargo

Wells Fargo Initiate Business Checking$825

Deposit $25,000+ by day 30, maintain to day 60 · sign-up bonus

Wells Fargo Active Cash$200

$500 in purchases, 3 months · sign-up bonus

Wells Fargo Clear Access Banking$125

10+ qualifying posted transactions in 60 days · sign-up bonus

Wells Fargo Autograph20,000 points

$1,000 in purchases, 3 months · points bonus

What to know about each

Citi

One of the largest US banks and card issuers, running checking bonuses and a broad co-brand and cash-back card lineup. Card figures are often personalized.

Wells Fargo

A steady $300-class checking bonus with a low electronic-deposit hurdle, refreshed on short published windows. The terms are plain; the work is mostly remembering the coupon.

Common questions

Which has the bigger sign-up bonus, Citi or Wells Fargo?

Citi has the bigger cash bonus right now, at $1,500. Figures change; both are checked against the source and shown above with the date.

Is Citi or Wells Fargo better for a sign-up bonus?

The better pick is the offer whose requirement you can actually meet. Wells Fargo currently gives you more offers to choose from. Weigh each bonus against the deposit or spend it needs, not just the headline number.

New to this? Start with how bank sign-up bonuses work, weigh both by value with the easiest to earn list, and see more head-to-heads on the compare page. Reference information, not financial advice.