Whether you're looking for personalized rewards or a credit-building ally, Wells Fargo has crafted these two cards to cater to distinct financial aspirations – the Wells Fargo Autograph Card and the Wells Fargo Reflect Card.
Let's compare them side by side.
Wells Fargo Reflect vs. Autograph: General Comparison
The Wells Fargo Autograph Card and the Wells Fargo Reflect Card are two popular rewards credit cards from Wells Fargo.
The Autograph Card is a good choice for cardholders who want to earn bonus rewards on common spending categories and welcome bonuses. At the same time, the Reflect Card is a better option for cardholders looking for a no-annual-fee card with a longer 0% intro APR.
Wells Fargo Reflect vs. Autograph: Rewards Analysis
While the Reflect card doesn't offer rewards, he Autograph card offers point rewards that you can redeem for a variety of options.
Points earned on the Autograph Card can be redeemed for statement credits, gift cards, travel, or cash.
| |
|---|---|
Spend Per Category | Wells Fargo Autograph℠ Card |
$15,000 – U.S Supermarkets | 15,000 points |
$5,000 – Restaurants
| 15,000 points |
$4,000 – Airline | 12,000 points |
$3,000 – Hotels | 9,000 points |
$4,000 – Gas | 12,000 points |
Estimated Annual Value | 63,000 (About $630) |
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Which Extra Benefits You'll Get On Both Cards?
Both cards offer additional benefits including:
- Cellular Telephone Protection: Receive up to $600 in cell phone protection when paying your monthly cell phone bill with your Wells Fargo card, subject to a $25 deductible.
- My Wells Fargo Deals: Access personalized deals and earn cashback as an account credit when using your Wells Fargo credit card for shopping, dining, or experiences.
- Zero Liability Protection: Protection against unauthorized transactions when promptly reported.
- Credit Close-Up℠: Provides tools and insights to understand, track, raise, or maintain your FICO® Score.
Benefits You'll Get Only With The Autograph Card
The Autograph card targeted frequent travelers, and therefore you'll be able to get more travel insurance and protections:
- Auto Rental Collision Damage Waiver: Coverage for theft, damage, loss-of-use charges, administrative fees, and towing charges when renting a vehicle.
- Travel and Emergency Services Assistance: Access to emergency assistance and referral services while traveling.
- Emergency Cash Disbursement and Card Replacement: Visa credit cardholders can obtain emergency cash advances or card replacements within one to three business days (fees and interest may apply).
When You Might Prefer The Wells Fargo Reflect?
The Wells Fargo Reflect Card might be your preferred choice if:
- You Need a Longer 0% Intro APR: The Reflect Card is suitable if you require an extended 0% introductory APR period, providing more time for interest-free payments.
- You Don't Have Good – Excellent Score: Opt for the Reflect Card if your credit score is less than stellar, as it is tailored to assist with credit building.
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When You Might Prefer The Wells Fargo Autograph?
The Wells Fargo Autograph Card might be your preferred choice if:
- You Want To Maximize Rewards And Welcome Bonus: The Autograph Card is the ideal choice if you aim to maximize rewards and benefit from a generous welcome bonus as part of your credit card experience.
- You Want Extra Travel Protections And Insurance: Opt for the Autograph Card if you prioritize additional travel protections and insurance coverage, enhancing your travel experience and providing added security.
Compare The Alternatives
Whether you're seeking rewards and 0% intro APR, these alternatives have something for everyone.
 |
|
| |
|---|---|---|---|
Chase Freedom Flex℠ Card | Capital One Venture Rewards Credit Card | Blue Cash Preferred® Card from American Express | |
Annual Fee | $0
| $95 | $95 ($0 intro for the first year)
|
Rewards |
1-5%
|
2X – 5X
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
|
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 |
$200
|
75,000 miles
|
$250
$250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
|
Foreign Transaction Fee | 3%
| $0 | 2.70%
|
Purchase APR | 20.49%–29.24% variable
| 19.99% – 29.99% (Variable)
| 19.24% – 29.99% Variable |
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?
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?
Compare Wells Fargo Autograph Card
The Autograph is great for travelers who want to stay on budget, while Amex Gold provides premium travel benefits and redemption options.
The Chase Sapphire Preferred offers better travel perks and protections, but unlike the Autograph card – you'll need to pay an annual fee.
The Wells Fargo Active Cash is best for cashback and everyday spending, while the Autograph is a clear winner when it comes to travel rewards.
Wells Fargo Active Cash vs. Autograph Card: How They Compare?
