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CardCurator — Rewards Intelligence
Card Comparison

Costco Anywhere Visa vs Wells Fargo Reflect

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Costco Anywhere Visa card art
Costco
Costco Anywhere Visa
Citi
More Info
Wells Fargo Reflect card art
Wells Fargo Cash Rewards
Wells Fargo Reflect
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
None
None
Top Earn Rates
  • Gas at Costco 5x
  • Eligible Gas and EV Charging 4x
  • Restaurants 3x
1x base rate
Reward Type
cashback
cashback
Key Credits
  • Costco Membership $65
None
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Common Questions: Costco Anywhere Visa vs Wells Fargo Reflect

Is the Costco Anywhere Visa or Wells Fargo Reflect better for dining?

Costco Anywhere Visa earns 3x on dining; Wells Fargo Reflect has no dining bonus.

Which has the higher signup bonus in 2026?

Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.

Which card is better for international travel?

Costco Anywhere Visa charges no foreign transaction fees — the better pick for international use. Wells Fargo Reflect charges 3% on foreign purchases.

Can I hold both the Costco Anywhere Visa and the Wells Fargo Reflect?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Costco Anywhere Visa is from Citi and Wells Fargo Reflect is from Wells Fargo, so they're governed by separate bank policies.