Quicksilver vs. Wells Fargo Reflect Credit Card Comparison

Q: What are the foreign transaction fees for these cards?

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

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Both the Capital One Quicksilver Cash Rewards Credit Card and the Wells Fargo Reflect® Card stand out for their generous introductory APR periods and absence of annual fees. If you're drawn to earning on every purchase, the Quicksilver is the superior choice with its unlimited 1.5% cash back.

However, if your priority is to minimize interest on purchases or balance transfers for an extended period, the Wells Fargo Reflect edges out with its 21-month 0% intro APR offer. Although the Quicksilver card requires excellent credit, it's worth noting for its cash rewards and low spending threshold for its welcome bonus. Neither card is limited to a specific retailer, ensuring flexibility in use.

Capital One Quicksilver Cash Rewards Credit Card

Wells Fargo Reflect® Card

MoneyGeek Rating

4.5/ 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
Intro Offer
Earn $200 Cash Back
No current offer
Rewards Summary
Earn unlimited 1.5% cash back
-
Balance Transfer Offer
0% for 15 months on balance transfers
0% for 21 months on balance transfers
Balance Transfer Fee
3% for the first 15 months
5% for each balance transfer, minimum $5
Annual Fee
$0
$0
Recommended Credit
670-850 (Good to Excellent)
670-850 (Good to Excellent)
Penalty APR
-
-
Not sure?
The Quicksilver is a strong contender for everyday spending, offering unlimited 1.5% cash back on all purchases and a $200 bonus after meeting initial spend requirements. By contrast, the Wells Fargo Reflect excels in debt management with its lengthy 21-month 0% intro APR on purchases and balance transfers. If rewards are a priority, the Quicksilver is the better choice; if you’re focusing on minimizing interest on existing debt, the Wells Fargo Reflect stands out.

Which Card Is Better for You?

You might prefer the Quicksilver if you value earning cash back on every purchase. With a 1.5% cash back rate on all purchases and additional rewards for travel booked through Capital One, this card offers consistent value for everyday spending and travel planning.

You might prefer the Wells Fargo Reflect if your primary goal is to save on interest charges over a longer period. With an impressive 21-month 0% intro APR on purchases and balance transfers, this card can be a strategic choice for managing existing debt or financing new purchases without immediate interest costs.

Head-to-Head Comparison: Card Details and Features

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you prioritize earning rewards, the Quicksilver's cash back might appeal to you, whereas the Wells Fargo Reflect's extended 0% APR period could be more beneficial for managing debt.

Regular APR: Wells Fargo Reflect

The Wells Fargo Reflect offers a potentially lower regular APR starting at 18.24%, compared with the Quicksilver's 19.99%, making it a better option for those who may carry a balance.

Annual Fee: Tie

Both the Quicksilver and the Wells Fargo Reflect have no annual fee.

Introductory 0% APRs: Wells Fargo Reflect

The Wells Fargo Reflect outperforms with a longer 0% APR period of 21 months for both purchases and balance transfers, despite a higher balance transfer fee, compared with the Quicksilver's 15 months.

Rewards: Quicksilver

The Quicksilver is better for rewards, offering unlimited 1.5% cash back on every purchase and 5% on travel booked through Capital One. Rewards do not expire, and there are multiple redemption options. The Wells Fargo Reflect does not have a rewards program.

Welcome Offers: Quicksilver

The Quicksilver is better for welcome offers, featuring a one-time $200 cash bonus after spending $500 within three months from account opening, compared with the Wells Fargo Reflect, which has no current offer.

Recommended Credit Score: Tie

Both the Quicksilver and the Wells Fargo Reflect require a credit score range of 670 to 850, indicating they are equally accessible to people with good to excellent credit.

Penalties and Fees: Quicksilver

The Quicksilver has an edge due to its absence of foreign transaction fees. Both cards impose up to $40 for late payments and have similar cash advance fees, but the Wells Fargo Reflect charges a 3% fee on foreign transactions.

Issuer Satisfaction: Quicksilver

Capital One edges out Wells Fargo with a higher issuer satisfaction rating of 4.2 compared to 4.0. This metric reflects customer satisfaction with the card issuer, encompassing aspects like customer service and ease of use.

Other Features & Perks: Tie

Both cards offer unique perks. The Quicksilver provides no foreign transaction fees, complimentary Uber One membership credits and enhanced cash back on travel booked through Capital One. The Wells Fargo Reflect offers up to $600 in phone protection and access to My Wells Fargo Deals for personalized cash back opportunities.

Methodology

MoneyGeek rates and reviews various credit cards like the Quicksilver and the Wells Fargo Reflect for various use cases, assigning scores based on how well they serve each purpose. In this comparison, the Quicksilver scores highest for cash back, while the Wells Fargo Reflect excels in balance transfers.

The scoring considers factors such as the value of rewards and customer satisfaction for cash back cards, and the length of introductory APR offers and the regular APR for balance transfer cards. This approach ensures you have a clear picture of which card may best suit your financial needs.

FAQ: Quicksilver vs. Wells Fargo Reflect Card

What are the rewards offered by the Quicksilver?

The Quicksilver offers unlimited 1.5% cash back on all purchases. Earning cash back is simple with no rotating categories.

How long is the 0% intro APR period for the Wells Fargo Reflect?

The Wells Fargo Reflect offers a 21-month 0% intro APR period on purchases and balance transfers.

Is there a welcome bonus for the Capital One Quicksilver Cash Rewards Credit Card?

Yes, there's a $200 welcome bonus for the Quicksilver after meeting the spend requirement.

Does the Wells Fargo Reflect offer any protection benefits?

Yes, it includes a phone protection benefit when you pay your monthly bill with the card.

What are the foreign transaction fees for these cards?

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

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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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Capital One Quicksilver Cash Rewards Credit Card vs. Wells Fargo Reflect® Card