Wells Fargo Reflect® Card
vs. Bank of America® Travel Rewards

If you're looking for a card with a $0 annual fee and an introductory APR offer, you may be considering the Wells Fargo Reflect Card and the Bank of America Travel Rewards. The Wells Fargo Reflect Card is ideal for those who need a longer runway to pay off purchases or balance transfers with its 21-month 0% intro APR.

In contrast, the Bank of America Travel Rewards card is the go-to for earning travel points on every purchase and enjoying a 25,000-point sign-up bonus. Your choice hinges on whether you value a longer interest-free period or rewards for your spending.

You might prefer the Wells Fargo Reflect® Card if: You're planning a significant purchase or have existing credit card debt that you want to pay off over time without accruing interest. The Reflect® Card offers a lengthy 0% intro APR for 21 months on both purchases and balance transfers, one of the market's longest available periods. This can provide a substantial window for managing debt without the added interest cost. Additionally, with no annual fee and a recommended credit range between 670 and 850, it's accessible to those with good to excellent credit but provides no rewards or cash back on your spending.

You might prefer the Bank of America® Travel Rewards if: You're a frequent traveler looking to earn points on every purchase that can be redeemed for travel-related expenses. This card offers unlimited 1.5 points per $1 spent on all purchases, with an introductory offer to earn 25,000 points. The 0% intro APR period for 15 billing cycles on purchases and balance transfers is shorter than the Reflect® Card, but the added benefit of earning rewards might outweigh the shorter interest-free period for those who spend regularly on travel. Plus, with no annual fee and a similar recommended credit range, it's also aimed at those with good to excellent credit profiles.

The Wells Fargo Reflect® Card boasts a perfect MoneyGeek balance transfer card rating of 5 out of 5, making it a top contender for those looking to manage existing credit card debt. With an impressive 21-month 0% intro APR on both balance transfers and purchases, it's a card designed for individuals seeking a generous window to pay off balances without accruing interest.

While the card doesn't offer rewards or cash back, its absence of an annual fee adds to its appeal for cost-conscious consumers. However, it's important to note the balance transfer fee of 5% (minimum $5) and a foreign transaction fee of 3%, which should be factored into any cost-benefit analysis when considering this card.

The Bank of America Travel Rewards card is a solid choice for those looking to earn travel points without worrying about an annual fee. MoneyGeek gives this card a balance transfer score of 3.1 out of 5, reflecting its moderate benefits in this area.

The card is particularly well-suited for everyday spending, with cardholders earning unlimited 1.5 points per dollar spent on all purchases. The points can be redeemed for travel-related expenses, making it a good fit for frequent travelers. Additionally, new cardholders can benefit from an introductory offer of 25,000 points and enjoy a 0% APR for 15 billing cycles on both purchases and balance transfers. This card is recommended for individuals with a credit score between 670 and 850 (good to excellent).

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features. Use this section to align each card's offerings with your financial habits and goals.