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Bank of America Customized Cash Rewards vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bank of America Customized Cash RewardsBank of America | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.3/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.49% | 17.49% - 28.24% |
| Signup Bonus | $200 online cash rewards bonus after spending $1,000 in 90 days | None |
| Rewards Rate | 6% in a category of your choice first year (3% + 3% first-year bonus), 2% at grocery stores and wholesale clubs (combined $2,500/quarter cap), 1% on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | Choose your own 3% category from six options 2% at grocery stores and wholesale clubs Preferred Rewards members can boost cash back up to 75% | 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 | $2,500 quarterly cap on 3% and 2% categories combined Best value requires Bank of America banking relationship Only 1% on non-category purchases | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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Verdict
Our Pick: Bank of America Customized Cash Rewards
With a 4.3/5 rating, the Bank of America Customized Cash Rewards edges out the Wells Fargo Reflect Card (4/5). No annual fee makes it easy to justify. The BofA Customized Cash Rewards lets you pick your top 3% category, making it the most flexible no-fee cash back card. Pair it with a Bank of America checking account and Preferred Rewards to boost earnings up to 5.25%.