Wells Fargo vs CitibankBank Bonus Comparison
Updated January 2026 • Side-by-side comparison
Compare Wells Fargo and Citibank bank bonuses to see which offers better value. We analyze bonus amounts, requirements, fees, and ease of qualification to help you choose.
Disclosure: Some links are affiliate links. Rankings are based on bonus amount and ease, not compensation.
Our Pick for January 2026
Wells Fargo wins
Wells Fargo offers better overall value with higher bonuses and easier requirements.
81
Wells Fargo
70
Citibank
| Feature | Wells Fargo | Citibank |
|---|---|---|
| Highest Bonus | $400✓ | $325 |
| Total Offers | 1 | 1 |
| Ease Score | Easy✓ | Easy |
| Direct Deposit | Required | Required |
| Monthly Fee | $15 (waivable) | $15 (waivable) |
| Availability | Nationwide | Nationwide |
Wells Fargo Bonuses
Citibank Bonuses
💡 Our Verdict
Wells Fargo is the better choice in January 2026 if you're looking for bank bonuses. With a top bonus of $400 and 1 total offers, it provides more opportunities than Citibank.
However, Citibank still offers $325 and could be a good choice if you've already earned the Wells Fargo bonus or don't qualify as a new customer.
Pro tip: You can earn bonuses from both banks if you qualify as a new customer at each!
Frequently Asked Questions
Is Wells Fargo or Citibank bonus better?
Wells Fargo offers up to $400 while Citibank offers up to $325. Wells Fargo scores higher overall when considering bonus amount, ease, and fees.
Can I get both Wells Fargo and Citibank bonuses?
Yes! You can open accounts at both Wells Fargo and Citibank to earn both bonuses, as long as you meet each bank's eligibility requirements (typically being a new customer who hasn't had an account recently).
Which bank has easier bonus requirements?
Wells Fargo has easier requirements with an "Easy" rating compared to Citibank's "Easy" rating.