Amazon Store Card vs. Wells Fargo Reflect Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Amazon Store Card
Synchrony
Wells Fargo Reflect Card
Wells Fargo
Amazon Store 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.
Amazon Store 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 Amazon Store Card
Amazon Store 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
- Not disclosed
- 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.