Updated: October 24, 2024
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The Wells Fargo Reflect® Card and the U.S. Bank Cash+® Visa Signature® Card have attractive introductory APRs and no annual fees. The Wells Fargo Reflect is better for minimizing interest on purchases or balance transfers with its 21-month 0% APR.
The U.S. Bank Cash+ offers up to 5% cash back on two chosen categories. While the Wells Fargo Reflect doesn’t offer rewards, it provides up to $600 in cellphone protection.
You might prefer the Wells Fargo Reflect if you need a longer introductory period to pay off your debt or make a large purchase without interest. It offers a 21-month 0% APR on both purchases and balance transfers.
You might prefer the U.S. Bank Cash+ if you want to earn cash back on everyday spending. After meeting the initial spend requirement, it provides up to 5% cash back in selected categories and a $200 bonus.
Comparing APRs, fees, credit requirements, rewards and other features helps you choose the best card for your needs. For large purchases, Wells Fargo Reflect’s longer 0% APR period might appeal to you. For earning rewards, the U.S. Bank Cash+ offers cash back in various categories.
Regular APR: Wells Fargo Reflect
The Wells Fargo Reflect has a lower starting APR of 18.24% than the U.S. Bank Cash+'s 19.74%.
Annual Fee: Tie
The Wells Fargo Reflect and the U.S. Bank Cash+ have no annual fee, helping cardholders save on costs.
Introductory 0% APRs: Wells Fargo Reflect
The Wells Fargo Reflect offers a 21-month 0% APR on both purchases and balance transfers, compared to the 15 billing cycles of U.S. Bank Cash+.
Rewards: U.S. Bank Cash+
The U.S. Bank Cash+ offers up to 5% cash back on two selected categories and 2% on one everyday spending category. The Wells Fargo Reflect doesn't offer any rewards.
Welcome Offers: U.S. Bank Cash+
The U.S. Bank Cash+ offers a $200 bonus for spending $1,000 in the first 120 days. The Wells Fargo Reflect doesn't offer a welcome bonus.
Recommended Credit Score: Tie
The Wells Fargo Reflect and the U.S. Bank Cash+ require good to excellent credit scores in the 670–850 range.
Penalties and Fees: Wells Fargo Reflect
The Wells Fargo Reflect has a lower late fee of up to $40 than the U.S. Bank Cash+'s up to $41. Both cards have no penalty APR and charge a 3% foreign transaction fee.
Issuer Satisfaction: Wells Fargo Reflect
Customers report higher satisfaction with Wells Fargo, the issuer of Wells Fargo Reflect, with a rating of 4.0 compared to U.S. Bank's 3.5.
Other Features and Perks: Tie
The Wells Fargo Reflect offers up to $600 in cellphone protection and personalized offers through My Wells Fargo Deals. The U.S. Bank Cash+ lets you split eligible purchases into monthly payments with a fixed fee and no interest.
MoneyGeek scores credit cards like the Wells Fargo Reflect and the U.S. Bank Cash+ based on how well they meet different needs. Key factors include the introductory APR for purchases, regular APR for balance transfers and effective reward rates. To learn more about how we rank cards, check out our ranking methodology.
The Wells Fargo Reflect offers a longer 0% intro APR period, while the U.S. Bank Cash+ allows earning cash back.
The Wells Fargo Reflect doesn't earn rewards or cash back.
Earn up to 5% cash back on two chosen categories, 2% on one everyday category like gas or groceries and 1% on all other eligible purchases with the U.S. Bank Cash+.
Both are no-annual-fee cards.
Both cards require a good to excellent credit score of 670–850.
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.
