Wells Fargo Reflect® Card
vs. Wells Fargo Active Cash® Card

The Wells Fargo Reflect card and the Wells Fargo Active Cash card both offer no annual fees and Visa benefits, appealing to those who value straightforward financial products from Wells Fargo. Deciding which card is superior depends on your financial goals: for those prioritizing cash back, the Wells Fargo Active Cash is unmatched with its unlimited 2% cash rewards.

However, if you want to minimize interest on purchases or balance transfers, the Wells Fargo Reflect Card's 21-month 0% intro APR is compelling. While the Active Cash Card may be the go-to for everyday spending, the Reflect Card's extended interest-free period is a powerful tool for managing debt.

You might prefer the Wells Fargo Active Cash if you're looking for a straightforward rewards card that earns a consistent cash back rate on all purchases. With its unlimited 2% cash rewards and a welcome bonus, it's a strong choice for everyday spending without worrying about reward categories.

You might prefer the Wells Fargo Reflect if you're planning a significant purchase or want to consolidate debt with a balance transfer. The extended 0% intro APR period for 21 months on purchases and balance transfers can provide substantial interest savings as you pay down your balance.

Evaluating APRs, fees, credit requirements, rewards and introductory offers will illuminate which Wells Fargo card aligns with your financial priorities. For instance, if you're planning a large purchase, Reflect's longer 0% APR period may appeal to you, while Active Cash's cash rewards might be more beneficial for everyday spending. Use this section to match card features with your spending habits and goals.

MoneyGeek evaluates credit cards like Wells Fargo Active Cash and Wells Fargo Reflect using a tailored scoring system for various use cases, such as balance transfers and cash back rewards. In this comparison, each card's highest scoring use case is highlighted. For a deeper understanding of our comprehensive ranking process, you can explore our ranking methodology.