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.
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Which Extra Benefits You'll Get With Each Card?
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
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 offers a lower ongoing APR, which could help you save on interest over time, especially if you're not able to pay off your balance in full during the intro APR period.
- Longer 0% Intro APR: If your main goal is to consolidate high-interest credit card debt and reduce interest costs, the BankAmericard's longer 0% intro APR period for balance transfers can be more advantageous. Below, we’ve outlined how to claim the 0% intro offer on the Bank of America card:
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 card | Chase Freedom Unlimited® card | Bank of America Unlimited Cash Rewards
| |
Annual Fee | $0
| $0
| $0 |
Rewards |
1% – 8%
unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores like Walmart® and Target®). You’ll also earn 1% on all other purchases. Plus, you get 10% cash back on purchases through Uber and Uber Eats, 8% on Capital One Entertainment purchases, and 5% on hotels and rental cars booked through Capital One Travel
|
1.5% – 5%
5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining (including takeout and eligible delivery), 3% on drugstore purchases, and 1.5% on all other purchases
| 1.5%
unlimited 1.5% cash back on all purchases
|
Welcome bonus |
$250
$250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
|
$250
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
| $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
|
Foreign Transaction Fee | $0
| 3%
| 3% |
Purchase APR | 19.74% – 29.74% (Variable)
| 19.99 – 28.74% variable
| 18.74% – 28.74% Variable APR |
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Compare BankAmericard
The BofA Unlimited Cash rewards is the clear winner when comparing it with Bank Americard – here's our side-by-side comparison
The BankAmericard and the Citi Simplicity card don't offer rewards or welcome bonuses, only a long 0% intro APR.
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?
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.
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?
