Wells Fargo Reflect vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Cash+ wins 2-0. 5% on 2 chosen categories + 2% on 1 chosen — fully customizable. 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 | Wells Fargo Reflect | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1% (general) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3% | = 3% |
| Welcome bonus | = No welcome bonus — value is the long 0% APR | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
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
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Wells Fargo Reflect vs US Bank Cash+: which is better?
US Bank Cash+ wins on more dimensions (2 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 Wells Fargo Reflect for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Reflect: No welcome bonus — value is the long 0% APR. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.