Capital One Platinum 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.
Capital One Platinum Credit Card
Capital One
Wells Fargo Reflect Card
Wells Fargo
Capital One Platinum 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.
Capital One Platinum Credit Card wins on foreign transactions; Wells Fargo Reflect Card wins on travel insurance.
Who wins what
1 vs 1 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the 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.
- Foreign transactions Capital One Platinum Credit Card
Capital One Platinum Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- —
- —
- Top categories
- —
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- —
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.