Wells Fargo Reflect Card vs. BankAmericard: Choose Wells Fargo Reflect for Longer Intro Period

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Our Pick
Good for Longer Intro APR
Editor’s Score: (4.2/5)
Wells Fargo Reflect℠ Card
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Wells Fargo Reflect℠ Card
Editor’s Score: (4.2/5)

Apply Now externa link icon At Wells Fargo’s secure site See Rates & Fees.
Good for Welcome Offer
Editor’s Score: (3.9/5)
BankAmericard® credit card
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BankAmericard® credit card
Editor’s Score: (3.9/5)

Learn more externa link icon At our partner’s secure site
  • Introductory balance transfer rate:
    0% intro APR for up to 21 months from account opening on qualifying balance transfers
  • Annual fee:
    $0
  • Regular APR:
    13.74% – 25.74% Variable APR
  • Recommended credit score:
    670-850 (Good to Excellent)
  • Introductory balance transfer rate:
    0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
  • Annual fee:
    $0
  • Regular APR:
    13.24% – 23.24% Variable APR on purchases and balance transfers
  • Recommended credit score:
    670-850 (Good to Excellent)
Pros and Cons
Pros and Cons
Pros
  • Long intro APR
  • No annual fee
  • Cell phone protection
Cons
  • No rewards
  • High APR after the introductory offer ends
  • Must meet requirements to get full 21 months of 0% intro APR
Pros and Cons
Pros
  • Lengthy 0% APR offer for purchases and balance transfers
  • No annual fee
  • $100 statement credit bonus
Cons
  • No ongoing rewards or benefits
  • 3% balance transfer fee (minimum $10)
  • 3% foreign transaction fees
Additional Card Details
Additional Card Details
  • Get a 0% introductory APR for up to 21 months from account opening on purchases and qualifying balance transfers — start with a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then unlock up to three additional months with on-time minimum payments during the 18-month offer and the extension period, then a 13.74% to 25.74% variable APR thereafter
  • Cell phone protection worth up to $600 when you pay your bill with your eligible Wells Fargo card (subject to a $25 deductible)
  • Get access to My Wells Fargo Deals: earn cash back in the form of a statement credit when you use your eligible Wells Fargo card with select retailers
  • Roadside dispatch
Additional Card Details
  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening
  • Introductory 0% APR on purchases for 18 billing cycles, as well as on balance transfers made within 60 days of account opening (13.24%-23.24% variable APR thereafter)
  • 3% balance transfer fee (minimum $10)
  • FICO Score for free, updated monthly
NextAdvisor’s Take

Both the Wells Fargo Reflect Card and the BankAmericard Credit Card offer a intro 0% APR on purchases and qualifying balance transfers with no annual fee. However, the Wells Fargo Reflect Card gives you the chance to avoid interest for up to 21 months; with on-time minimum payments during the intro and extension periods. (13.74% to 25.74% variable APR thereafter) compared to just 18 months with the BankAmericard (13.24% – 23.24% Variable APR thereafter). That makes the Wells Fargo Reflect Card the best offer among these two cards — even after accounting for the $100 statement credit the BankAmericard offers within the first few months.

The Wells Fargo ReflectSM Card and the BankAmericard Credit Card are among our favorite balance transfer credit cards on the market today. Both cards offer 0% intro APR periods longer than many options, and the intro periods apply not only to qualifying balance transfers, but new purchases too.

If you want to pay down a large purchase over time, or you have high-interest credit card debt you need to consolidate, either card will give you plenty of breathing room to make payments. But when it comes down to the length of the intro period, the Wells Fargo Reflect is the winner here. You can get up to 21 months from account opening of 0% introductory interest (13.74% to 25.74% variable APR thereafter), whereas the BankAmericard intro period ends after 18 billing cycles and 13.24% to 23.24% variable APR thereafter.

But there are also limitations to both cards that you should consider before you apply, and features that may make one better for you than the other. Here are the details to consider before you make your decision:

Side-by-Side Comparison

Wells Fargo Reflect CardBankAmericard Credit Card
Annual Fee$0$0
Welcome OfferNone$100 statement credit when you spend at least $1,000 on purchases within 90 days of account opening
Introductory APR for balance transfers0% APR for 18 months from account opening, with the possibility for three additional months when you make at least your minimum monthly payment on time during the introductory and extension periods (followed by a variable APR of 13.74% to 25.74%)0% APR for 18 billing cycles on balances transferred within 60 days of account opening (followed by a variable APR of 13.24% to 23.24%)
Introductory APR for purchases0% APR for 18 months from account opening, with the possibility for three additional months when you make at least your minimum monthly payment on time during the introductory and extension periods (followed by a variable APR of 13.74% to 25.74%)0% APR for 18 billing cycles (followed by a variable APR of 13.24% to 23.24%)
Balance transfer fee3% intro balance transfer fee (minimum $5) on balances transferred in the first 120 days, then 5% (minimum $5)3% balance transfer fee (minimum $10)

Bonus Comparison

The BankAmericard is unique among many 0% interest cards because it offers a cash welcome bonus. You’ll earn a one-time statement credit of $100 after spending $1,000 on purchases within 90 days of account opening.

Like most other cards in this category, the Wells Fargo Reflect Card doesn’t offer a sign-up bonus of any kind. 

Keep in mind, if you’re using either of these cards for balance transfers, it’s wise to avoid spending with the card while you’re paying down debt. The BankAmericard’s welcome bonus could be useful to score some extra value if you use the intro period to finance a large upcoming purchase, but consider the risk of taking on more debt if you’re using the intro period for a balance transfer instead.

Introductory Offers for Purchases

For most people, the Wells Fargo Reflect Card’s introductory offer for purchases is the superior option. 

You’ll get a 0% intro APR on purchases for 18 months from account opening to start, but you can extend this offer by an additional three months if you make at least the minimum payment on your card during the introductory and extension periods, 13.74% to 25.74% variable APR thereafter . At the end of the day, this means you can avoid interest on purchases for a full 21 months if you pay your bill on time each month.

On the other hand, BankAmericard Credit Card offers 0% intro APR on purchases for a shorter 18 billing cycles made within 60 days, then a variable APR of 13.24% to 23.24%.

Introductory Offers for Balance Transfers

Once again, the Wells Fargo Reflect Card comes out ahead for balance transfers. You’ll get the same 0% intro APR on qualifying transferred balances for 18 months from account opening with the chance for three additional months with on-time monthly payments during the intro and extension periods — for a total of 21 months to pay down debt, followed by a variable APR of 13.74% to 25.74%. A 3% balance transfer fee (minimum $5) applies during the first 120 days, after which the fee goes up to 5% (minimum $5).

Meanwhile, BankAmericard offers 0% APR on balance transfers for 18 billing cycles, but only for balances transferred within 60 days of account opening, 13.24% to 23.24% variable APR thereafter. A 3% balance transfer fee (minimum $10) applies.

Rewards and Benefits Comparison

Neither of these cards offers rewards for regular spending, but this is typical among balance transfer credit cards. Instead of offering rewards, these cards offer lucrative 0% APR offers that can help you save on interest as you pay down new purchases or consolidate existing debts.

The Wells Fargo Reflect Card does come with a few notable perks, including roadside assistance and up to $600 in cell phone insurance, subject to a $25 deductible. By contrast, BankAmericard doesn’t come with much more than a free credit score and no penalty APR if you pay your bill late.

APRs

The Wells Fargo Reflect Card and the BankAmericard Credit Card both charge APRs after their introductory periods end. With the Wells Fargo Reflect Card, you’ll pay a variable APR of 13.74% to 25.74%. BankAmericard charges a variable APR of 13.24% to 23.24%.

Fees

You won’t have to pay an annual fee for the Wells Fargo Reflect Card or BankAmericard, yet both cards do charge a 3% foreign transaction fee if you use them for purchases made abroad. 

Any late payments with either card could result in a fee of up to $40, and the Wells Fargo Reflect charges up to $40 for returned payments. And remember, a late payment on the Wells Fargo Reflect could forfeit your eligibility for the extended 3-month intro period.

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Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Editor’s Score: (4.2/5)
  • Introductory balance transfer rate:
    0% intro APR for up to 21 months from account opening on qualifying balance transfers
  • Annual fee:
    $0
  • Regular APR:
    13.74% – 25.74% Variable APR
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Wells Fargo’s secure site See Rates & Fees.
Learn More externa link icon
BankAmericard® credit card

BankAmericard® credit card

Editor’s Score: (3.9/5)
  • Introductory balance transfer rate:
    0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
  • Annual fee:
    $0
  • Regular APR:
    13.24% – 23.24% Variable APR on purchases and balance transfers
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
Learn More externa link icon
Citi Simplicity® Card

Citi Simplicity® Card

Editor’s Score: (4.0/5)
  • Introductory balance transfer rate:
    0% for 21 months on Balance Transfers
  • Annual fee:
    $0
  • Regular APR:
    15.49% – 25.49% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site

Deciding Between Wells Fargo Reflect vs. BankAmericard Credit Card

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

If you are hoping to save money on interest with the longest payment flexibility, the Wells Fargo Reflect Card is the way to go. You’ll get up to three extra months with 0% APR on new purchases and on balance transfers, as long as you always pay your bill on time during both the intro and extension periods. Plus, making on-time payments can help you avoid fees and build a positive payment history on your credit report.

Pro Tip

To score three additional months with 0% APR on the Wells Fargo Reflect Card, you need to make at least the minimum payment for the entire timeline. But you should still strive to pay down as much debt as you can each month. If you don’t pay the balance in full by the end of the intro period, you’ll begin accruing interest at the regular variable APR.

There are some cases in which you may choose the BankAmericard Credit Card, though. With a welcome bonus of $100 when you make $1,000 in purchases within 90 days of account opening, it could be the better 0% intro APR option for new purchases, as long as you ensure you can pay your purchase off within the shorter 18-billing cycle intro period followed by a 13.24% to 23.24% variable APR.

Still, if you’re primarily looking for a long 0% APR, the Wells Fargo Reflect Card is the best option right now. 

But before you apply for either card consider all the 0% APR options you may be eligible for. Depending on your needs, this may even include cash back credit cards that offer 0% APR on purchases, balance transfers, or both while you earn rewards for each dollar you spend. It can help to evaluate how each card’s intro period aligns with your debt or purchase balance, your timeline, and the amount you’ll be able to put toward payments each month.