Credit Cards » Compare Credit Cards » BankAmericard vs. Wells Fargo Reflect Card: How They Compare?
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BankAmericard vs. Wells Fargo Reflect Card: How They Compare?

BankAmericard is the winner, offering a longer 0% intro period on purchases than the Reflect card and a lower APR. Here's our comparison
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The BankAmericard and the Wells Fargo Reflect Card are both good options for consumers who are looking for a credit card with a low introductory APR period on balance transfers and purchases and no annual fee.

Let's compare them and see what are the strengths and weaknesses of each card.

Comparison: BankAmericard vs. Wells Fargo Reflect

Both the BankAmericard and the Wells Fargo Reflect don't offer rewards or welcome bonuses. Instead, cardholders are eligible for a long 0% intro APR. 

When comparing the 0% intro APR, BankAmericard offers a longer 0% intro period on purchases than the Reflect card.

BankAmericard®

Wells Fargo ReflectSM Card (1)

BankAmericard
Wells Fargo Reflect Card
Annual Fee
$0
$0
Rewards
N/A
N/A
Welcome bonus
N/A
N/A
0% Intro APR
21 billing cycles on purchases and balance transfers made within the first 60 days, then 16.24% – 26.24% Variable APR. APR
21 months on purchases and balance transfers then 18.24% to 29.99% variable APR
Foreign Transaction Fee
3%
3%
Purchase APR
16.24% – 26.24% Variable APR.
18.24% to 29.99% variable APR
Read Review
Read Review
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Which Extra Benefits You'll Get With Each Card?

Each card offers a couple of additional benefits:

BankAmericard

BankAmericard®

  • Balance Connect® for overdraft protection: Link your Bank of America checking account to your credit card to prevent declined purchases and overdrafts, with no transfer fees, though other fees may apply.

  • Account Alerts: Receive email or text alerts to stay informed about your balances and payment due dates, ensuring you never miss a payment.

  • FICO® Score: Opt-in to access your free monthly FICO® Score through your Mobile Banking app or Online Banking, helping you track your credit health.

Wells Fargo Reflect Card

Wells Fargo ReflectSM Card (1)

  • Cellular Telephone Protection: Enjoy up to $600 in cell phone protection by paying your monthly cell phone bill with your eligible Wells Fargo card, subject to a $25 deductible.

  • Roadside Dispatch: Access a 24/7 on-demand referral dispatch network for emergency roadside assistance, towing, or locksmith services.

  • My Wells Fargo Deals: Benefit from personalized deals from various merchants through My Wells Fargo Deals, allowing you to earn cash back as an account credit when you shop, dine, or experience various services using an eligible Wells Fargo credit card.

  • Zero Liability Protection: Rest easy knowing you won't be held responsible for unauthorized transactions as long as they're reported promptly, thanks to built-in protection features

When You Might Prefer The BankAmericard?

You might prefer the BankAmericard over the Wells Fargo Reflect Card if:

  • Lower ongoing APR: The BankAmericard has a lower ongoing APR range than the Wells Fargo Reflect Card, which could save you money on interest in the long run, especially if you are unable to pay off your balance in full during the introductory APR period.
  • Longer 0% Intro APR: If you're primarily looking to consolidate existing high-interest credit card debt and reduce interest costs, the BankAmericard's low-interest rates and long 0% introductory APR period for balance transfers can be more beneficial. In the following screenshot we can see how to claim the 0% intro offer on Bank Of America:
BoFa card make balance transfer
Leverage BofA 0% Intro APR by balance transfer (Screenshot from Bank Of America app)

When You Might Prefer The Wells Fargo Reflect Card?

You might prefer the Wells Fargo Reflect Card over the BankAmericard in several situations:

  • Better Extra Perks: The Reflect Card comes with additional benefits such as Cellular Telephone Protection, Roadside Dispatch®, and My Wells Fargo Deals, which offer added value beyond basic credit card functionality.

Compare The Alternatives

If you're looking for cards with 0% intro APR, here are some good options:

Capital-One-Savor-One

chase freedom unlimited card

Bank of America® Unlimited Cash Rewards Credit Card

Capital One Savor card
Chase Freedom Unlimited® card
Bank of America Unlimited Cash Rewards
Annual Fee
$0
$0
$0
Rewards
1% – 3% earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases.
1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
1.5% unlimited 1.5% cash back on all purchases
Welcome bonus
$200 $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Up to $300 additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
$200 $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Foreign Transaction Fee
$0
3%
3%
Purchase APR
19.99% – 29.99% variable
20.24%–28.99% variable
18.24% – 28.24% variable APR on purchases and balance transfers
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare BankAmericard

The BofA Unlimited Cash rewards is the clear winner when comparing it with Bank Americard – here's our side-by-side comparison

Bank of America Unlimited Cash Rewards vs. BankAmericard

The BankAmericard and the Citi Simplicity card don't offer rewards or welcome bonuses, only a long 0% intro APR.

Here's our winner: BankAmericard vs. Citi Simplicity Card

In terms of 0% intro APR, the BankAmericard outshines the Diamond Preferred card. But what about other benefits?

Here's our comparison: BankAmericard vs. Citi Diamond Preferred Card

Compare Wells Fargo Reflect Card

Wells Fargo has recently launched a new set of credit cards, and these two are at the top of the list. Which of them offers more and is it worth it?

Wells Fargo Active Cash vs Reflect Card: Which One Wins?

The Autograph Card is best for earning rewards on common travel categories, while the Reflect Card is a better option for a long 0% intro APR.

Wells Fargo Reflect vs. Autograph Card: How They Compare?

Both the Citi Diamond Preferred and the Wells Fargo Reflect card don't offer rewards or welcome bonuses, but a 0% intro APR. Which card wins?

Wells Fargo Reflect Card vs. Citi Diamond Preferred Card

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.