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

Shield Insurance

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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.

Credit Card logo for Wells Fargo Reflect® Card
Wells Fargo Reflect® Card
Credit Card logo for Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
MoneyGeek Rating
5/ of 5
MoneyGeek Rating
5/ of 5
On Issuer's Site
On Issuer's Site

Which Card Is Better for You?

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.

Head-to-Head Comparison: Card Details and Features

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.

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    Regular APR: Wells Fargo Reflect

    The Wells Fargo Reflect offers a lower starting APR of 18.24%, compared to the Wells Fargo Active Cash Card's starting APR of 20.24%; the Reflect Card provides a potentially more cost-effective option for carrying a balance.

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    Annual Fee: Tie

    Both the Wells Fargo Active Cash and Wells Fargo Reflect cards offer the benefit of no annual fee.

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    Introductory 0% APRs: Wells Fargo Reflect

    The Wells Fargo Reflect is better for extended 0% APR periods. It offers 0% for 21 months on both purchases and balance transfers, compared to the Wells Fargo Active Cash Card's 15 months. However, the Reflect Card has a higher balance transfer fee of 5%.

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    Rewards: Wells Fargo Active Cash

    The Wells Fargo Active Cash has rewards, offering unlimited 2% cash rewards on purchases. Rewards do not expire as long as the account remains open, and there are multiple redemption options, including cash back, travel and more. The Wells Fargo Reflect does not offer any rewards.

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    Welcome Offers: Wells Fargo Active Cash

    The Wells Fargo Active Cash is better for welcome offers, offering a $200 cash rewards bonus after spending $500 in the first three months. The Wells Fargo Reflect does not provide a welcome offer.

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    Recommended Credit Score: Tie

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

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    Penalties and Fees: Tie

    Both the Wells Fargo Active Cash and Wells Fargo Reflect cards impose up to $40 for late payments, charge either $10 or 5% for cash advances (whichever is greater) and apply a 3% fee on foreign transactions.

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    Issuer Satisfaction: Tie

    Since both the Wells Fargo Reflect and the Wells Fargo Active Cash are issued by Wells Fargo Bank, they share the same issuer satisfaction rating of 4.

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    Other Features & Perks: Tie

    Both cards offer unique perks. The Wells Fargo Active Cash provides Visa Signature Concierge and up to $600 in cell phone protection. The Wells Fargo Reflect offers the same cell phone protection and adds My Wells Fargo Deals for personalized cash back opportunities.

Methodology

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.

FAQ: Wells Fargo Reflect vs. Wells Fargo Active Cash

What are the main differences between the Wells Fargo Reflect and Active Cash cards?
Does the Wells Fargo Active Cash have an annual fee?
Can I earn rewards with the Wells Fargo Reflect?
What is the introductory APR offer for the Wells Fargo Reflect?
Is there a welcome bonus for the Wells Fargo Active Cash Card?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

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.


*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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