Wells Fargo Active Cash® Card VS Wells Fargo Reflect® Card

Wells Fargo Cash Rewards Card

Unlock the doors to extensive rewards and features with the Wells Fargo Cash Rewards Card. Here’s a comprehensive breakdown of what the card offers:

1. Sign-Up Bonus

Cash Rewards:

Earn an impressive $200 cash rewards bonus after making purchases totaling $500 within the first 3 months of acquiring the card.

2. Reward Rate

Unlimited Earnings:

Enjoy an unlimited 2% cash rewards on all your purchases, with no restrictions.

3. Introductory APR Offer

0% Intro APR:

Benefit from a 0% introductory APR for a span of 15 months from the account’s initiation on purchases and eligible balance transfers. Post this period, a variable APR of 20.24%, 25.24%, or 29.99% will be applicable.

Balance Transfer Benefits:

Any balance transfers made within 120 days of opening the account can avail of the introductory rate and a fee of 3%. After this window, a balance transfer fee of up to 5% is levied, with a minimum charge of $5.

4. Zero Annual Fee

Save more with the card’s $0 annual fee, ensuring more value for your money.

5. Effortless Rewards Tracking

No cumbersome categories to keep tabs on or memorize. Plus, your cash rewards will never expire as long as your account is in active status.

6. Visa Signature Concierge Benefits

Step into a world of luxury with a handpicked assortment of perks at some of the planet’s most distinguished and captivating hotel properties courtesy of Visa Signature Concierge.

7. Cell Phone Protection

Safeguard your mobile phone with up to $600 in protection against unforeseen damage or theft when you settle your monthly cell phone bills with your eligible Wells Fargo card. This benefit is subject to a modest deductible of $25.

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card is not just a credit card; it’s your financial ally, cushioning every expense with a sprawling 0% intro APR period and bountiful benefits that reverberate through your monetary ventures.

1. Extended 0% Intro APR – A Breath of Fresh Fiscal Air:

Enjoy the refreshing tranquility that comes with 0% intro APR for a remarkable 21 months from account opening on purchases and qualifying balance transfers. Imagine the peace of planning your payments on your terms, all while basking in nearly two years of no interest accrual on your expenditures and balance transfers. Post-intro period, a variable APR of 18.24%, 24.74%, or 29.99% will apply, adhering to your creditworthiness and the prevailing market conditions.

2. Balance Transfers Made Feasible:

Transferring balances is not just easy, but also advantageous with the Wells Fargo Reflect® Card. Balance transfers made within the first 120 days from account opening qualify for the introductory rate, with a transparent balance transfer fee of 5%, minimum $5, ensuring no hidden surprises along the way.

Zero Annual Fee – Continuous Saving

With a steadfast $0 annual fee, your card is a perpetual source of savings, providing you with unbridled, cost-effective access to its multitude of benefits, year after year.

Shield Your Communication with Cell Phone Protection

Feel secure in your digital connections with up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your Wells Fargo Reflect® Card. A modest deductible of $25 applies, safeguarding your conversations and connections without breaking the bank.

3. My Wells Fargo Deals – Personalized, Profitable Ventures

Through My Wells Fargo Deals, embark on a tailor-made journey of savings where you get access to personalized deals from a plethora of merchants. Enjoy the simplicity of earning cash back as an account credit whenever you shop, dine, or indulge in experiences, all by using your eligible Wells Fargo credit card.

How to Embrace the Reflect® Lifestyle

Select “Apply Now” to dive deeper into the myriad features, terms, and conditions of the Wells Fargo Reflect® Card and to embark on a journey where every spend reflects not just an expense, but a multitude of saving opportunities and benefits, carefully curated to enhance your financial stability and spending prowess.

Step into a world where your spending doesn’t just reflect your lifestyle, but also your financial savvy, with the Wells Fargo Reflect® Card. Reflect on your expenses, revel in the rewards.

Wells Fargo Active Cash® Card Comparison

Card Name	Wells Fargo Active Cash® Card	Wells Fargo Reflect® Card
Card Rating	5.0/5	5.0/5
Card Annual Fee	$0	$0
Card Intro Offer	$200	No value
Card Rewards Rate	2% Cashback	No value
Card Image
Card Recommended Credit Score	690-850(Good – Excellent)	700 – 749(Good – Excellent)
Card Summary	Best for: Cash back — high flat rate + incentives	Best for: Balance Transfer For Long Payment Window