Head-to-head · 🇺🇸 United States
Apple Card vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Goldman Sachs / Apple
Apple Card
Wins 4 of 10
US
Wells Fargo
Wells Fargo Reflect
VISA
Wins 0 of 10
Verdict
Apple Card wins 4-0. Apple ecosystem users — daily cashback, instant in Wallet. 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 | Apple Card | Wells Fargo Reflect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = No welcome bonus — daily cashback model | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 660 | · 670 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
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
›Apple Card vs Wells Fargo Reflect: which is better?
Apple Card wins on more dimensions (4 vs 0). 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 Apple Card 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?
Apple Card: No welcome bonus — daily cashback model. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.