Bank of America Customized Cash Rewards credit card vs. Wells Fargo Reflect Card
On the criteria below, Bank of America Customized Cash Rewards credit card wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Wells Fargo Reflect Card
Wells Fargo
Bank of America Customized Cash Rewards credit card wins 2 of 4 criteria here, making it the stronger all-rounder.
Bank of America Customized Cash Rewards credit card wins on first-year math and earning ceiling; Wells Fargo Reflect Card wins on travel insurance.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority.
Who wins what
2 vs 1 (1 tie)- First-year math Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card earns more on its best category (3× vs 0×).
- Travel insurance Wells Fargo Reflect Card
Wells Fargo Reflect Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- 3×
- —
- Top categories
- Choice Category, Grocery
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Cashback
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.