Capital One Quicksilver Cash Rewards Credit Card
vs. Wells Fargo Reflect® Card

Between these no annual fee cards with 0% APR offers, the Capital One Quicksilver Cash Rewards Credit Card offers cash back rewards, while the Wells Fargo Reflect Card excels with a longer introductory APR period.

By Doug Milnes, CFA

Edited by Rae Osborn

Updated: November 4, 2024

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If you're looking for a no-annual-fee card with introductory 0% APR offers, you may be considering the Capital One Quicksilver Cash Rewards Credit Card and the Wells Fargo Reflect Card. The Capital One Quicksilver is the better choice for cash back rewards, offering a $200 cash bonus after a $500 spend in three months and 1.5% back on everyday spending. In contrast, the Wells Fargo Reflect is superior for those needing a longer time for interest-free purchases or balance transfers, with a 21-month 0% APR introductory period. Your choice depends on whether you value rewards or a longer interest-free period more.

Capital One Quicksilver Cash Rewards Credit Card

Wells Fargo Reflect® Card

MoneyGeek Rating

5/ of 5

MoneyGeek Rating

5/ of 5

Rates & Fees

REVIEW & APPLY

On Issuer's Site

REVIEW & APPLY

On Issuer's Site

Regular APR
19.49% - 29.49% variable
17.49%, 23.99%, or 29.24% variable
0% APR Offer
0% for 15 months on purchases
0% for 21 months on purchases
Balance Transfer Offer
0% for 15 months on balance transfers
0% for 21 months on balance transfers
Annual Fee
$0
$0
Rewards Summary
Earn unlimited 1.5% cash back
-
Recommended Credit
670-850 (Good to Excellent)
670-850 (Good to Excellent)
Not sure?
The Capital One Quicksilver Cash Rewards Credit Card offers a blend of rewards and introductory APR benefits, with unlimited 1.5% cash back on every purchase and a 0% introductory APR for 15 months on purchases and balance transfers. In contrast, the Wells Fargo Reflect® Card is tailored for those seeking a longer introductory APR period, providing 0% for 21 months on purchases and balance transfers, but it lacks a rewards program. If maximizing cash back is your goal, the Quicksilver is the clear winner. However, for extending payments on large purchases or balance transfers without accruing interest, the Reflect® Card may be more advantageous.

Capital One Quicksilver Cash Rewards Credit Card vs. Wells Fargo Reflect® Card: Which Is Better for You?

You might prefer the Capital One Quicksilver Cash Rewards Credit Card if: you're looking for a card that not only has a 0% APR intro offer but also rewards you for every purchase. With this card, you can earn 1.5% cash back on all purchases. This card is particularly appealing if you value straightforward rewards.

You might prefer the Wells Fargo Reflect Card if: your primary goal is to minimize interest on existing debt. This card stands out with its 0% intro APR for 21 months from account opening on purchases and balance transfers, which is one of the longest introductory periods available. While it doesn't offer rewards or cash back, it can be a powerful tool for managing debt and avoiding interest charges during its lengthy intro period.

MoneyGeek's Take on the Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card receives a MoneyGeek rating of 3.7 out of 5 for balance transfers, indicating a solid option for those looking to manage existing debt. With no annual fee and an unlimited 1.5% cash back on every purchase, this card is well-suited for individuals who value simplicity and consistent rewards. Additionally, the card offers a 0% introductory APR for 15 months on both purchases and balance transfers, providing a window for large purchases or to pay down balances without accruing interest.

Capital One Quicksilver Cash Rewards Credit Card

MoneyGeek Rating

5/ of 5

REVIEW & APPLY

On Issuer's Site

Regular APR

19.49% - 29.49% variable

0% APR Offer

0% for 15 months on purchases

Balance Transfer Offer

0% for 15 months on balance transfers

Rewards Summary

Earn unlimited 1.5% cash back

Recommended Credit

670-850 (Good to Excellent)

The Capital One Quicksilver Cash Rewards Credit Card is a good choice for straightforward rewards, with unlimited 1.5% cash back on all purchases and no annual fee. There are some cards with higher flat cash back rates, but the Quicksilver’s more lenient penalties and fees and more competitive introductory offers, are worth your consideration if you’re looking for a simple card for everyday spending.
PROS
- Unlimited 1.5% cash back on all purchases
- No annual fee
- 0% intro APR period on purchases and balance transfers, then a variable APR of 19.49% to 29.49% after that
- No foreign transaction fees
CONS
- Requires good to excellent credit
- No bonus cash back categories
- Introductory Offers
  - Earn a $200 cash bonus after spending $500 within the first three months of opening your account.
  - Enjoy a 0% introductory APR on purchases and balance transfers for 15 months. After that, the variable APR ranges from 19.49% to 29.49%. A balance transfer fee applies.
- Rewards
  - Earn unlimited 1.5% cash back on every purchase, every day.
  - Earn 5% cash back on hotels and rental cars booked through Capital One Travel.
- APRs, Fees, and Penalties
  - No annual fee and no foreign transaction fees.
- Perks & Benefits
  - Cash back rewards do not expire for the life of the account.
  - No rotating categories or sign-ups are needed to earn cash rewards.

MoneyGeek's Take on the Wells Fargo Reflect® Card

The Wells Fargo Reflect Card earns a top MoneyGeek balance transfer score of 5.0, reflecting its standout feature: an extended 0% intro APR for 21 months on both purchases and balance transfers. With no annual fee, this card is a solid choice for individuals planning to finance large purchases or transfer existing balances from other credit cards. However, it's worth noting that the card does not offer rewards or cash back, making it less suitable for those seeking to earn points or cash rewards on their spending. The card's long introductory period can provide substantial savings on interest, which can be particularly beneficial for those with a clear repayment plan in place.

Wells Fargo Reflect® Card

MoneyGeek Rating

5/ of 5

Rates & Fees

REVIEW & APPLY

On Issuer's Site

Regular APR

17.49%, 23.99%, or 29.24% variable

0% APR Offer

0% for 21 months on purchases

Balance Transfer Offer

0% for 21 months on balance transfers

Rewards Summary

N/A

Recommended Credit

670-850 (Good to Excellent)

The Wells Fargo Reflect® Card stands out with its 21-month 0% intro APR for both balance transfers and purchases, which is among the longest on the market. With no annual fee, it’s great if you’re managing multiple high-interest credit card balances. This card is a top pick for balance transfers with maximum financial flexibility.
PROS
- 21-month 0% intro APR on balance transfers and purchases
- No annual fee
CONS
- No rewards or cash back
- Introductory Offers
  - Enjoy a 0% introductory APR for 21 months on purchases and qualifying balance transfers.
  - Balance transfers made within 120 days qualify for the intro rate, with a 5% fee (minimum $5).
- APRs, Fees, and Penalties
  - After the introductory period, a variable APR of 17.49%, 23.99%, or 29.24% applies.
  - This card has no annual fee.
- Perks & Benefits
  - Get up to $600 of cell phone protection against damage or theft, subject to a $25 deductible.
  - Access personalized deals through My Wells Fargo Deals to earn cash back as an account credit when you shop, dine, or enjoy experiences with an eligible Wells Fargo credit card.

Details Comparison: Capital One Quicksilver Cash Rewards Credit Card vs. Wells Fargo Reflect® Card

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features. For instance, if you're planning a big purchase, the longer 0% APR period on the Wells Fargo Reflect card might be appealing. On the other hand, if you're looking for ongoing rewards, the Capital One Quicksilver Cash Rewards credit card offers cash back on every purchase. Use this section to match your financial habits with the card that best meets your needs.

Regular APR

The Wells Fargo Reflect® Card offers a potentially lower APR starting at 18.24%, compared to the Capital One Quicksilver Cash Rewards Credit Card's APR range of 19.99% to 29.99% variable.

Annual Fee

Both the Capital One Quicksilver Cash Rewards Credit Card and the Wells Fargo Reflect® Card have a $0 annual fee. This makes them equally appealing for users looking to avoid yearly charges.

Introductory 0% APRs

The Wells Fargo Reflect® Card is better for those seeking a longer introductory 0% APR period, offering 0% for 21 months on both purchases and balance transfers, compared to the Capital One Quicksilver Cash Rewards Credit Card's 15 months.

Rewards

For rewards, the Capital One Quicksilver Cash Rewards Credit Card is the clear winner, offering unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, and 1.5% cash back on all other purchases. In contrast, the Wells Fargo Reflect® Card does not provide any rewards on purchases. For those prioritizing cash back, the Capital One Quicksilver Cash Rewards Credit Card is the better choice. Explore more options with our best cash back credit cards.

Welcome Offers

The Capital One Quicksilver Cash Rewards Credit Card is better for welcome offers, offering a $200 cash bonus after spending $500 within 3 months of account opening. The Wells Fargo Reflect® Card does not offer a welcome bonus.

Recommended Credit Score

Both the Capital One Quicksilver Cash Rewards Credit Card and the Wells Fargo Reflect Card recommend a credit score range of 670 to 850 (good to excellent). This means neither card has an advantage based on the recommended credit score alone, as both are accessible to individuals with similar credit profiles.

Penalties and Fees

For penalties and fees, the Capital One Quicksilver Cash Rewards Credit Card is slightly better due to its lower minimum cash advance fee. Both cards charge up to $40 for late payments and do not apply a penalty APR. However, the cash advance fee for Capital One is 5% of the amount or $5 minimum, whereas Wells Fargo charges 5% or $10 minimum.

Issuer Satisfaction

Capital One has a higher issuer satisfaction rating at 4.2 compared to Wells Fargo Bank's rating of 4. This makes the Capital One Quicksilver Cash Rewards Credit Card better for issuer satisfaction.

Other Features & Perks

The Capital One Quicksilver Cash Rewards Credit Card offers a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, making it better for those seeking immediate cashback perks. The Wells Fargo Reflect® Card, while offering a lengthy introductory APR, does not provide a direct perk comparable to the cash bonus.

FAQ: Capital One Quicksilver Cash Rewards Credit Card vs. Wells Fargo Reflect® Card

What are the main differences in rewards between the Capital One Quicksilver Cash Rewards and Wells Fargo Reflect Card?

The Capital One Quicksilver offers cash back rewards, while the Wells Fargo Reflect Card does not offer rewards.

How do the introductory APR offers for purchases compare between the two cards?

The Wells Fargo Reflect Card offers a longer 0% APR period for purchases at 21 months, compared to 15 months with the Capital One Quicksilver. Discover more about zero interest cards.

Are there foreign transaction fees associated with either card?

The Capital One Quicksilver has no foreign transaction fees, while the Wells Fargo Reflect Card charges 3%.

What credit score is needed for the Capital One Quicksilver Cash Rewards vs. Wells Fargo Reflect Card?

Both cards recommend a credit score range of 670 to 850. Understand the importance of credit scores.

Which card offers better terms for balance transfers?

The Wells Fargo Reflect Card has a higher balance transfer offer rating and a longer 0% APR period, which may provide better terms. You can find more details on balance transfer cards.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

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