American Express Gold vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
American Express Gold wins 3-2. Heavy restaurant + grocery spenders ($1K+/mo on food) Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | American Express Gold | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $325 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 4% (dining) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 60,000 Membership Rewards points after $6,000 in 6 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
American Express Gold
- 4x points at restaurants worldwide (incl. Uber Eats)
- 4x at U.S. supermarkets (up to $25K/year)
- 3x on flights booked direct or via amextravel.com
- $120 annual dining credit ($10/mo at select partners)
- $120 annual Uber Cash
- No foreign transaction fees
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›American Express Gold vs Wells Fargo Reflect: which is better?
American Express Gold wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use American Express Gold for its best categories, Wells Fargo Reflect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
American Express Gold: 60,000 Membership Rewards points after $6,000 in 6 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.