Bank of America Unlimited Cash Rewards credit card vs. Wells Fargo Reflect Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Bank of America Unlimited Cash Rewards credit card
Bank of America
Wells Fargo Reflect Card
Wells Fargo
Bank of America Unlimited Cash Rewards credit card and Wells Fargo Reflect Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; Wells Fargo Reflect Card wins on travel insurance.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 1 (2 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- 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)
- $250
- —
- First-year net
- +$250
- +$0
- Peak earning rate
- —
- —
- Top categories
- —
- —
- 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.