Wells Fargo Reflect vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Cash+ wins 2-0. 5% on 2 chosen categories + 2% on 1 chosen, fully customizable. Wells Fargo Reflect is still the right call if 21-month 0% intro apr, best balance-transfer card on the market..
Side-by-side
| Criterion | Wells Fargo Reflect | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = No welcome bonus, value is the long 0% APR | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Wells Fargo Reflect vs US Bank Cash+: which is better?
US Bank Cash+ wins on more dimensions (2 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Wells Fargo Reflect for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Reflect: No welcome bonus, value is the long 0% APR. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.