Wells Fargo Reflect® Card
vs. U.S. Bank Cash+® Visa Signature® Card

If you're looking for a credit card with a generous introductory APR period and no annual fee, you may be considering the Wells Fargo Reflect Card and the U.S. Bank Cash+ Visa Signature Card. The Wells Fargo Reflect Card is the better option for extending your interest-free period, offering 0% for 21 months on purchases and balance transfers.

In contrast, the U.S. Bank Cash+ Visa Signature Card is ideal for earning cash back, with a $200 bonus after spending $1,000 in the first 120 days and 5% cash back on two categories of your choice.

You might prefer the Wells Fargo Reflect® Card if: You're looking for a card with a lengthy introductory APR period. This card offers a 0% intro APR for 21 months on both purchases and balance transfers, which can be particularly beneficial if you have existing debt you'd like to pay down over time or plan to make large purchases that you want to pay off gradually without accruing interest. With no annual fee and a recommended credit score range between 670 and 850, it's a solid choice for those with good to excellent credit who need a generous timeframe to manage their finances without the added interest cost.

You might prefer the U.S. Bank Cash+® Visa Signature® Card if: Earning rewards on your spending is a priority. This card not only offers a $200 bonus after you spend $1,000 in the first 120 days, but it also allows you to earn 5% cash back on two categories of your choice, on up to $2,000 in combined eligible purchases each quarter. Additionally, you'll benefit from an introductory APR of 0% for the first 15 billing cycles on purchases and balance transfers. With no annual fee and the potential to earn significant cash back, this card is well-suited for those who want to maximize their rewards while also enjoying a period of no interest on their balances.

The Wells Fargo Reflect Card earns a perfect score of 5 out of 5 in MoneyGeek's balance transfer card rating, reflecting its exceptional offering in this category. With an introductory APR of 0% for 21 months on both purchases and balance transfers, this card is an excellent choice for individuals looking to manage existing debt or finance new purchases without incurring interest for nearly two years.

The card boasts no annual fee, making it a cost-effective option for budget-conscious consumers. However, it's important to note that the Wells Fargo Reflect Card does not provide rewards or cash back, positioning it as a strategic tool for debt management rather than a vehicle for earning on spending.

The U.S. Bank Cash+ Visa Signature Card is a versatile choice for those who value tailored rewards. With a MoneyGeek balance transfer rating of 3.4 out of 5, this card offers a competitive 0% introductory APR on both purchases and balance transfers for the first 15 billing cycles. It stands out for it's personalized approach to cash back.

The card's rewards program allows 5% cash back on two categories of your choice, up to $2,000 in combined eligible purchases each quarter and 1% cash back on all other eligible purchases. This card is well-suited for those who prefer to customize their rewards and avoid annual fees while enjoying an introductory APR offer.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. This side-by-side analysis provides a clear view of how each card performs in key areas, enabling you to align your choice with your financial habits.