Updated: August 8, 2024
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Both the Wells Fargo Reflect® Card and the BankAmericard® Credit Card offer 0% introductory APR on purchases and balance transfers. The Wells Fargo Reflect has a longer intro APR period and extra benefits like cellphone protection.
The BankAmericard offers a lower balance transfer fee and free FICO® Score access, which is great for credit management.
You might prefer the Wells Fargo Reflect if you want a longer intro APR on purchases and balance transfers, plus perks like cellphone protection and personalized deals.
You might prefer the BankAmericard if you seek a lower balance transfer fee.
Evaluating APRs, fees, credit requirements and features helps you choose the right card. Wells Fargo Reflect’s longer intro APR may be appealing for making large purchases or consolidating debt. For lower balance transfer fees, consider the BankAmericard.
Regular APR: BankAmericard
The BankAmericard offers a lower starting regular APR of 16.24% compared to Wells Fargo Reflect's 18.24%.
Annual Fee: Tie
The BankAmericard and the Wells Fargo Reflect have no annual fee, helping cardholders save on yearly costs.
Introductory 0% APRs: Wells Fargo Reflect
The Wells Fargo Reflect offers a longer 0% APR period of 21 months for purchases and balance transfers compared to BankAmericard's 18 months. This makes it a better choice for those wanting more time to avoid interest.
Rewards: Tie
Neither the Wells Fargo Reflect nor the BankAmericard offers rewards like cash back, miles or points.
Welcome Offers: Tie
Neither the Wells Fargo Reflect nor the BankAmericard offers a welcome bonus or rewards for new cardholders.
Recommended Credit Score: Tie
The Wells Fargo Reflect and the BankAmericard require a good to excellent credit score of 670–850.
Penalties and Fees: Tie
Both cards charge up to $40 for late payments and 3% for foreign transactions. They also have a 5% cash advance fee, with the Wells Fargo Reflect setting a $10 minimum. Neither has a penalty APR.
Issuer Satisfaction: BankAmericard
Customers are more satisfied with Bank of America, BankAmericard's issuer, with a higher rating of 4.5 than Wells Fargo's 4.0.
Other Features and Perks: Tie
The Wells Fargo Reflect provides up to $600 in cellphone protection and access to personalized offers via My Wells Fargo Deals. BankAmericard customers can get a free FICO Score.
MoneyGeek evaluates credit cards like the Wells Fargo Reflect and the Citi Simplicity using a tailored scoring system for different use cases. This approach helps you choose the card that meets your financial needs.
We assess both cards based on their balance transfer performance, focusing on the quality of the offer and regular APR. For more details on our process, you can review our ranking methodology.
The Wells Fargo Reflect has a 0% intro APR for 21 months, while the BankAmericard offers it for 18 months on purchases and balance transfers.
The Wells Fargo Reflect has a 5% balance transfer fee, while the BankAmericard charges 3% per transfer.
Both are cards with no annual fee.
Neither card offers rewards or cash back; they're primarily balance transfer cards.
The Wells Fargo Reflect offers cellphone protection, while the BankAmericard allows customers to get free FICO Scores.
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.
