Chase Freedom Unlimited vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Chase Freedom Unlimited wins 3-0. No-fee everyday card; pairs perfectly with Sapphire Preferred 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 | Chase Freedom Unlimited | Wells Fargo Reflect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K | = 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 | = 670 | = 670 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
Chase Freedom Unlimited
- 5% on travel via Chase Ultimate Rewards
- 3% on dining (incl. takeout & delivery)
- 3% on drugstore purchases
- 1.5% on everything else
- No annual fee
- 0% intro APR for 15 months
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
›Chase Freedom Unlimited vs Wells Fargo Reflect: which is better?
Chase Freedom Unlimited wins on more dimensions (3 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 Chase Freedom Unlimited 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?
Chase Freedom Unlimited: $200 cash back after $500 spend in first 3 months + 5% gas/groceries on first $12K. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.