Within the Wells Fargo credit card stable, two cards vie for your everyday spending: the Wells Fargo Autograph℠ Card and the Wells Fargo Reflect® Card. While they share the same issuer, their reward structures and target audiences differ. Let’s delve into the details to help you pick the perfect Wells Fargo companion for your wallet.
Basic Feature Comparison
| Feature | Wells Fargo Autograph | Wells Fargo Reflect |
|---|---|---|
| Rewards Type | Points | No Rewards |
| Points Earned | 3X points on travel, gas, transit, streaming services, restaurants; 1X point on everything else | N/A |
| Points Redemption | Points can be redeemed for travel, statement credits, merchandise, or gift cards. Points value varies depending on redemption option. | N/A |
Comparison Table Between Wells Fargo Autograph Vs Wells Fargo Reflect
| Feature | Wells Fargo Autograph | Wells Fargo Reflect |
|---|---|---|
| Annual Fee | $0 | $0 |
| Welcome Bonus | Up to 25,000 points after spending $3,000 in purchases in the first 3 months from account opening | None |
| Foreign Transaction Fee | None | None |
| Other Features | None | Cell phone protection, Visa Signature® benefits (including concierge services) |
Also See: Autograph Vs Quicksilver: Choosing the Right Rewards Ride
Who Should Steer Towards Which Card?
- Wells Fargo Autograph: This card caters to frequent spenders in travel, dining, and entertainment categories (where you earn 3X points). If you travel often and can redeem points for travel through Wells Fargo’s portal, you can maximize their value.
- Wells Fargo Reflect: Ideal for those who prioritize value-added benefits over rewards points. The cell phone protection and Visa Signature® perks can be valuable, especially if you already pay for cell phone insurance or use concierge services frequently.
Pros and Cons: Wells Fargo Autograph
Pros
- No annual fee
- Bonus points in several spending categories
- Flexible redemption options
Cons
- Points value can fluctuate depending on redemption method
- Less straightforward rewards system compared to no-rewards cards
Pros and Cons: Wells Fargo Reflect
Pros
- No annual fee
- Valuable cell phone protection
- Visa Signature® benefits
Cons
- No rewards program for earning points or cash back
Requirements to Get on Board
Both cards typically require good credit, usually a score of 670 or higher. There is no specific income requirement listed by Wells Fargo.
The Verdict: Points or Perks?
The Wells Fargo Autograph is a compelling option for those who crave rewards and can leverage its bonus categories. However, if you value phone protection and perks more than earning points or cash back, the Wells Fargo Reflect might be the better fit. Ultimately, the best card hinges on your spending habits and how you prioritize rewards versus benefits.