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CardCurator — Rewards Intelligence
Quick Answer

The Wells Fargo Active Cash edges out the Wells Fargo Reflect for most cardholders — it wins on 2 of 4 comparison categories and offers 20,000 pts signup bonus earns more (up to 2x vs 1x). The Wells Fargo Reflect is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

Wells Fargo Active Cash vs Wells Fargo Reflect

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

Wells Fargo Active Cash card art
Wells Fargo Cash Rewards
Wells Fargo Active Cash
Wells Fargo
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
3%
3%
Signup Bonus
20,000 points
Spend $500 in 3 months
None
Top Earn Rates
  • All Purchases 2x
1x base rate
Reward Type
cashback
cashback
Pts Value
~1.00¢/pt points · industry est.
~1.00¢/pt points · industry est.
Key Credits
None
None
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Common Questions: Wells Fargo Active Cash vs Wells Fargo Reflect

Is the Wells Fargo Active Cash or Wells Fargo Reflect better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Wells Fargo Active Cash currently offers 20,000 pts signup bonus (spend $500 in 3 months). Wells Fargo Reflect offers no current bonus. Wells Fargo Active Cash has the larger bonus.

Which card is better for international travel?

Both cards charge foreign transaction fees (Wells Fargo Active Cash: 3%, Wells Fargo Reflect: 3%). Consider a no-foreign-fee card for international travel.

Can I hold both the Wells Fargo Active Cash 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. Both cards are from Wells Fargo, so check their specific application rules.