Wells Fargo Reflect® Card
vs. Bank of America® Travel Rewards

Both the Wells Fargo Reflect Card and the Bank of America Travel Rewards card offer Visa benefits and extended introductory APR periods, which likely drew your attention. The Wells Fargo Reflect edges ahead with its longer 21-month 0% introductory APR on purchases and balance transfers, making it a standout for those seeking to manage debt.

However, the Bank of America Travel Rewards card should not be overlooked. BofA Travel Rewards lets you earn points on every purchase and allows you to redeem rewards for travel. With both cards suited for consumers with good to excellent credit, your choice may come down to whether you prioritize longer debt management or the potential for travel rewards.

You might prefer the Wells Fargo Reflect if you're planning significant purchases or want to transfer balances and would benefit from a lengthy 0% APR period. Its extended intro APR and added perks like cell phone protection make it a strong candidate for those focused on financial flexibility without the need for rewards.

You might prefer the BofA Travel Rewards if you're a frequent traveler looking for a simple rewards structure on your spending. With no foreign transaction fees and a generous sign-up bonus, this card is tailored for those who want to earn points towards travel without worrying about categories or spending caps.

Evaluating APRs, fees, credit requirements, rewards and other features will show which card aligns with your financial needs. For instance, if you're planning a large purchase, Wells Fargo Reflect's longer 0% APR period might appeal to you, while frequent travelers could benefit from BofA Travel Rewards' points system.

MoneyGeek evaluates credit cards like the Wells Fargo Reflect and BofA Travel Rewards using a tailored scoring system. For this comparison, both cards are assessed based on their balance transfer performance. The most significant factors in this score are the quality of the balance transfer offer and the terms of the 0% APR introductory purchase rate.

These and other considerations such as issuer satisfaction and penalty fees, contribute to a card's overall balance transfer score. For a deeper understanding of our comprehensive ranking process, you can explore our ranking methodology.