Capital One Quicksilver Cash Rewards Credit Card
vs. Wells Fargo Reflect® Card

If you're looking for a no-annual-fee card with introductory 0% APR offers, you may be considering the Capital One Quicksilver Cash Rewards Credit Card and the Wells Fargo Reflect Card. The Capital One Quicksilver is the better choice for cash back rewards, offering a $200 cash bonus after a $500 spend in three months and 1.5% back on everyday spending. In contrast, the Wells Fargo Reflect is superior for those needing a longer time for interest-free purchases or balance transfers, with a 21-month 0% APR introductory period. Your choice depends on whether you value rewards or a longer interest-free period more.

You might prefer the Capital One Quicksilver Cash Rewards Credit Card if: you're looking for a card that not only has a 0% APR intro offer but also rewards you for every purchase. With this card, you can earn 1.5% cash back on all purchases. This card is particularly appealing if you value straightforward rewards.

You might prefer the Wells Fargo Reflect Card if: your primary goal is to minimize interest on existing debt. This card stands out with its 0% intro APR for 21 months from account opening on purchases and balance transfers, which is one of the longest introductory periods available. While it doesn't offer rewards or cash back, it can be a powerful tool for managing debt and avoiding interest charges during its lengthy intro period.

The Capital One Quicksilver Cash Rewards Credit Card receives a MoneyGeek rating of 3.7 out of 5 for balance transfers, indicating a solid option for those looking to manage existing debt. With no annual fee and an unlimited 1.5% cash back on every purchase, this card is well-suited for individuals who value simplicity and consistent rewards. Additionally, the card offers a 0% introductory APR for 15 months on both purchases and balance transfers, providing a window for large purchases or to pay down balances without accruing interest.

The Wells Fargo Reflect Card earns a top MoneyGeek balance transfer score of 5.0, reflecting its standout feature: an extended 0% intro APR for 21 months on both purchases and balance transfers. With no annual fee, this card is a solid choice for individuals planning to finance large purchases or transfer existing balances from other credit cards. However, it's worth noting that the card does not offer rewards or cash back, making it less suitable for those seeking to earn points or cash rewards on their spending. The card's long introductory period can provide substantial savings on interest, which can be particularly beneficial for those with a clear repayment plan in place.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features. For instance, if you're planning a big purchase, the longer 0% APR period on the Wells Fargo Reflect card might be appealing. On the other hand, if you're looking for ongoing rewards, the Capital One Quicksilver Cash Rewards credit card offers cash back on every purchase. Use this section to match your financial habits with the card that best meets your needs.