Wells Fargo Reflect® Card
vs. BankAmericard® Credit Card

If you're looking for a credit card with a long introductory APR period and no annual fee, you may be considering the Wells Fargo Reflect Card and the BankAmericard Credit Card. The Wells Fargo Reflect Card is generally the better option due to its longer 0% APR introductory offer of 21 months for both purchases and balance transfers compared to the BankAmericard's 18 months. Both cards cater to individuals with good to excellent credit and those who focus on saving money on interest rather than earning rewards.

You might prefer the Wells Fargo Reflect® Card if: You're planning a significant purchase or want to transfer a balance and would benefit from a longer introductory APR period. With a 0% intro APR for 21 months on both purchases and balance transfers, this card gives you a nearly two-year window to pay off your debt without accruing interest, which is three months longer than the BankAmericard® Credit Card. Keep in mind, though, that this card does not offer rewards or cash back, so it's best suited for those focused solely on financing options rather than earning rewards on their spending.

You might prefer the BankAmericard® Credit Card if: You value customer satisfaction and a solid introductory offer. Although its 0% intro APR period is slightly shorter at 18 billing cycles, it has a good customer satisfaction reputation. This could translate to a better overall experience with customer service and account management. Like the Wells Fargo Reflect® Card, the BankAmericard® also has a $0 annual fee and does not offer rewards.

The Wells Fargo Reflect® Card stands out for having one of the longest balance transfer offer out there. Ideal for individuals seeking a generous introductory period, the card boasts a 21-month 0% intro APR on both balance transfers and purchases, which can provide significant breathing room for managing existing debt or planning large expenses.

With no annual fee, cardholders can enjoy these benefits without the worry of an extra cost. However, it's important to note the balance transfer fee of 5% (minimum $5), which should be factored into the cost of transferring a balance. Once the introductory period ends, the card's regular APR will apply, ranging from 18.24% to 29.99% variable, depending on creditworthiness.

The BankAmericard Credit Card has a solid balance transfer promo. With no annual fee and a 0% APR on purchases and balance transfers for the first 18 billing cycles, this card is tailored for individuals looking to manage existing debt or fund new purchases without immediate interest charges.

Bank of America recommends a credit score ranging from 670 to 850, indicating that this card is suited for consumers with good to excellent credit. While the card does not offer rewards, its value lies in the potential savings from the introductory APR offer and the absence of an annual fee, making it a solid choice for those focused on minimizing costs rather than earning rewards.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features of the Wells Fargo Reflect Card and the BankAmericard Credit Card. By examining these aspects side by side, you can identify which card aligns with your financial habits, such as if you plan to carry a balance or make a large purchase.