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Apple Card vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 3.8/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.74% | 17.49% - 28.24% |
| Signup Bonus | None | None |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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Verdict
Our Pick: Wells Fargo Reflect Card
With a 4/5 rating, the Wells Fargo Reflect Card edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The Wells Fargo Reflect is the best balance transfer card available. 21 months of 0% intro APR with no annual fee gives you the longest runway to pay down debt interest-free.