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U.S. Bank Smartly Visa Signature vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | U.S. Bank Smartly Visa SignatureU.S. Bank | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.2/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.49% | 17.49% - 28.24% |
| Signup Bonus | None publicly listed | None |
| Rewards Rate | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | 2% unlimited cash back with no annual fee — matches Citi Double Cash Up to 4% back with qualifying U.S. Bank Smartly Savings balance 0% intro APR for 15 billing cycles on purchases and balance transfers | 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 | Best rates (3-4%) require U.S. Bank banking relationship with large balances No signup bonus publicly listed Limited to U.S. Bank ecosystem for maximum value | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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Verdict
Our Pick: U.S. Bank Smartly Visa Signature
With a 4.2/5 rating, the U.S. Bank Smartly Visa Signature edges out the Wells Fargo Reflect Card (4/5). No annual fee makes it easy to justify. The U.S. Bank Smartly Visa is a flat 2% cash back card that can scale to 4% if you park savings at U.S. Bank. No annual fee and a 0% intro APR make it competitive with the Citi Double Cash and Wells Fargo Active Cash.