Credit Cards » Compare Credit Cards » Wells Fargo Active Cash vs Reflect Card: Which One Wins?
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Wells Fargo Active Cash vs Reflect Card: Which One Wins?

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?
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

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

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Table of Content

Wells Fargo is one of America’s biggest financial institutions, with branches all across the country. It offers a range of different credit card options.

This review will focus on one of its newest cards, the Wells Fargo Reflect SM as well as the Wells Fargo Active Cash card. We will consider each of the commonalities and contrasts between these two options, allowing you to figure out which could be the better option for you and if you really need it.

Compare Them Side by Side

Wells Fargo active cash card

Wells Fargo ReflectSM Card (1)

Wells Fargo Active Cash Card
Wells Fargo Reflect℠ Card
Annual Fee
$0
$0
Rewards
2% cash rewards on purchases (unlimited)
N/A
Welcome bonus
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
N/A
0% Intro APR
15 months on purchases and qualifying balance transfers, then 20.24% to 29.99% variable APR APR
21 months on purchases and balance transfers, then 18.24% to 29.99% variable APR APR
Foreign Transaction Fee
3%
3%
Purchase APR
20.24% to 29.99% variable APR
18.24% to 29.99% variable APR
Read Review
Read Review

Simulation: Which Card Gives More Rewards?

As the Wells Fargo Active Cash card is the only one of these two cards that offers a cashback offering, that is where we will focus on in our worked-out example

Wells Fargo active cash card

Spend Per Category
Wells Fargo Active Cash℠
$10,000 – U.S Supermarkets
$200
$3,000 – Restaurants
$60
$1,500 – Airline
$30
$1,500 – Hotels
$30
$4,000 – Gas
$80
Annual Value – First Year
$600
Annual Value
$400

The Wells Fargo Active Cash card provides you with consistency across the board, no matter what types of purchases that you are making. This makes up for the lack of premium cashback rates that are often available elsewhere for certain categories of spending.

Compare Welcome Bonus And Fees

The Wells Fargo Active Cash signup bonus sees you getting a cash bonus of $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. For the Reflect card, you will be able to get 0% intro APR for 21 months on purchases and balance transfers, then 18.24% to 29.99% variable APR.

Neither of these cards has an annual fee, with both charging a 3% foreign transaction fee. There is 0% intro APR for 15 months on purchases and qualifying balance transfers with the Wells Fargo Active Cash ( then 20.24% to 29.99% variable APR), shorter compared to the Reflect card. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a balance transfer fee of  $5 or 5% (the greater).

Compare The Perks

There are many different features associated with credit cards. They can vary by issuer and by card type. Here are some of the things that these two cards have to offer people:

  • Cell Phone Protection: You will get up to $600 worth of cell phone protection when you pay your phone bill through these cards.

  • Zero Liability Protection: There is built-in protection with bot cards that means you will not be held responsible for any unauthorized transactions that you have promptly reported.

  • Security Features: Both cards allow you to access advanced security features, such as 2-step authentication and voice verification when signing into your account.

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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.

The Wells Fargo Active Cash offers some unique features:

  • Control Tower: You will be able to get secure access to all of your cards and accounts with Wells Fargo in a single location.

  • Luxury Hotel Collection: There are some great perks associated with the best hotels in the world.

  • Concierge Service: There is 24/7 complimentary concierge service with this card.

The Wells Fargo Reflect offers some unique features:

  • My Wells Fargo Deals: you can access a variety of different types of deals through this offering.

  • Roadside Dispatch: You will get access to 24/7 on-demand referral dispatch for roadside emergency assistance.

Compare The Drawbacks

There are no perfect financial products, so it is important to be aware of the potential drawbacks of a new credit card before you sign up.

Here we’ll highlight some of the possible negatives to help you make an informed decision.

Wells Fargo Active Cash℠

Wells Fargo active cash card

You will get 2% cashback across the board, with no higher cashback rates being available.

Although this is a common factor between the two cards, Citi does allow its customers to convert rewards to Thank You Points from $1. So, if you are struggling to reach that $25 balance, it can be frustrating.

Wells Fargo Reflect℠ Card

Wells Fargo ReflectSM Card (1)

This card option does not currently provide any out and out cashback rewards.

Unlike the Active cash card, this card doesn't offer a welcome bonus to new cardholders.

Compare Redemption Options

The Wells Fargo Active Cash card sees you earning 2% on every single purchase that you make, with no cap in place. You are able to redeem the rewards in numerous ways. This includes as statement credit, as cash, withdrawn at an ATM or redeemed as a gift card.

You can also use the rewards when paying through PayPal at online checkout. The Reflect card currently has no cashback rewards on offer.

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.

How to Maximize Cards Benefits?

If you want to make the best use of your Active Cash Card, there are some tips to help you:

  • Utilize Alongside Other Cards: The Wells Fargo Active Cash card is great for having a high base cashback rate. You might have another card that has a premium rate available for certain purchase categories that can give you a better overall return.

  • Utilize the Rewards: You should look at the most optimal way in which you can use the resulting rewards for your needs.

  • Maximize the Signup Offer: You should make sure that you take advantage of the great signup bonus that the Wells Fargo Active Cash Card offers.

Wells Fargo active cash card

This card does not currently offer any cashback rewards. The best way to leverage the Reflect Card benefits is to use the long 0% intro APR it offers. You can get 21 months on purchases and balance transfers and 3 additional months, as long as you pay on time. You can leverage this card  to fund a big purchase or to pay off debt

Wells Fargo ReflectSM Card (1)

Customer Reviews: Which Card Wins?

Both of these cards are relatively new, so there are not too many customer reviews. 

For the Wells Fargo Active Cash card, the positive reviews will talk about the consistency this offering provides, while the negatives will regard the lack of more premium cashback rates. 

For the Reflect card, people were not pleased with the lack of cashback rewards.

Wells Fargo
App Rating (iOS)
4.8
App Rating (Android)
4.8
BBB Rating (A-F)
N/A
Contect Options
phone/social
Availability
24/7

When You Might Want the Active Cash Card?

The Wells Fargo Active Cash is a great option that could be good you're looking for:

  • Want Predictability: If you want to have predictability when it comes to your rewards, then this card is for you. This is because you will consistently get a 2% return.

  • Want Flexibility in Redeeming Rewards: This card offers you a great range of ways in which you can redeem the rewards that this card offers.

  • Easy to Use: In contrast to other cash back cards such as the Chase Freedom Flex or Blue Cash Preferred from American Express, There are no rotating bonus categories to consider or different cashback rates for different categories of purchases, making the user experience very straightforward.

When You Might Want the Reflect Card?

The Wells Fargo Reflect℠ Card is a solid choice if you're looking for:

Compare The Alternatives

The Wells Fargo Active Cash looks to be the better option for these two cards. It carries no annual fee, has a good cash-based signup offer, and provides you with consistent 2% cashback across all of your purchases.

The Reflect card does not offer any cashback rewards, so is not going to be preferred by many customers.

Lastly, there are some alternatives that you may want to take a look before applying.

Chase Freedom Flex

capital-one-venture

American express everyday card review 2021

Chase Freedom Flex℠ Card
Capital One Venture Rewards Credit Card
American Express EveryDay® Card
Annual Fee
$0
$95
$0
Rewards
1-5% 5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
2X – 5X 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
1X – 2X 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
Welcome bonus
$200 $200 bonus after you spend $500 on purchases in the first 3 months from account opening
75,000 miles 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
10,000 points 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
Foreign Transaction Fee
3%
$0
2.7%
Purchase APR
20.49%–29.24% variable
19.99% – 29.99% (Variable)
18.24% – 28.24% Variable

FAQ

You will not have to deal with any sort of limit when it comes to the cash back rewards that you can get through the Wells Fargo Active Cash Card.

Yes, you can get pre-approval through the Wells Fargo website. This provides you with a greater level of flexibility and you do not have to initially subject yourself to a hard credit check.

You are not able to earn any sort of rewards when you are using the Wells Fargo Reflect Card to make purchases, so there is no such redeemability in place for you to consider.

When you are signing up for the Wells Fargo ReflectSM Card, there are no out and out income requirements and normally you will not have to provide proof of income.

Compare Wells Fargo Active Cash

When both cards offer the same flat rate cashback, we should see beyond it. Which card is better? Here's The Smart Investor full analysis.

Citi Double Cash vs Wells Fargo Active Cash: Which Card Wins?

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Wells Fargo Active Cash vs. Autograph Card: How They Compare?

The Active Cash card offers flat-rate cashback, while the Unlimited card is the winner for travel. Here's a side-by-side comparison.

Wells Fargo Active Cash vs. Chase Freedom Unlimited

While the Quicksilver card offers unlimited flat-rate cashback rewards, the Active Cash card offers a higher cashback ratio. Let's compare.

Capital One Quicksilver vs. Wells Fargo Active Cash

While Discover it Cash Back offers higher cashback rewards for some categories, the Active Cash card is our winner. Here's why.

Discover it Cash Back vs Wells Fargo Active Cash: Side By Side Comparison

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six 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 platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six 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 platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Wells Fargo Reflect Card

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?

BankAmericard is the winner, offering a longer 0% intro period on purchases than the Reflect card and a lower APR. Here's our comparison.

BankAmericard vs. Wells Fargo Reflect 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

Review No Annual Fees Credit Cards

Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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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.

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.