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Wells Fargo Active Cash vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Wells Fargo Active CashWells Fargo | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.5/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 18.49% - 28.49% | 17.49% - 28.24% |
| Signup Bonus | $200 cash rewards bonus after spending $500 in 3 months | None |
| Rewards Rate | 2% cash rewards on all purchases | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | Flat 2% cash rewards on all purchases with no categories to track $0 annual fee with a $200 welcome bonus 0% intro APR for 12 months 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 | 3% foreign transaction fee Requires a Wells Fargo relationship for best experience No bonus categories beyond the flat 2% | 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 Active Cash
With a 4.5/5 rating, the Wells Fargo Active Cash edges out the Wells Fargo Reflect Card (4/5). No annual fee makes it easy to justify. The Wells Fargo Active Cash is one of the strongest no-fee 2% cash back cards available. With a solid signup bonus and intro APR offer, it competes head-to-head with the Citi Double Cash while adding balance transfer flexibility.