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 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:
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%
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. 10% percent cash back on purchases made through Uber and Uber Eats. 8% cash back on Capital One Entertainment purchases. 5% cash back on hotels and rental cars booked using Capital One Travel.
|
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
|
$200
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 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 |
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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?
