Head to head 
Chase Freedom Flex vs. Wells Fargo Reflect Card
On the criteria below, Chase Freedom Flex wins 2 of 3. The verdict depends on which criteria matter to you.
Chase Freedom Flex
Chase
Wells Fargo Reflect Card
Wells Fargo
At a glance
Chase Freedom Flex wins 2 of 3 criteria here, making it the stronger all-rounder.
Chase Freedom Flex leads on first-year math and earning ceiling, while Wells Fargo Reflect Card only ties the rest.
Pick the Chase Freedom Flex if year-one math is your priority.
Who wins what
2 vs 0 (1 tie)- First-year math Chase Freedom Flex
Chase Freedom Flex wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Chase Freedom Flex
Chase Freedom Flex earns more on its best category (5× vs 0×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- 5×
- —
- Top categories
- Rotating Quarterly, Chase Travel, Dining
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- Chase Ultimate Rewards
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.