Card comparisonSide by side
U.S. Bank Cash+® Secured Visa® Card vs Wells Fargo Reflect® Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | US Bank | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | secured | balance transfer |
Card Tier Data: 2/2 cards | Entry Level | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | — | 3% |
Purchase APR | — | 17.49% – 28.24% |
Intro APR | — | 0% for 21 months |
| Rewards | ||
Welcome Bonus | — | — |
Reward Rate Data: 1/2 cards | 5% back on chosen 5% categories | — |
Reward Program Data: 1/2 cards | U.S. Bank Cash+ Rewards | — |
| Earning Rates | ||
| All other eligible purchases | 1% backEarns 1% cash back on all other eligible purchases. | — |
| Chosen 2% Everyday Category | 2% backEarns 2% cash back on Net Purchases in your choice of one everyday category (like gas stations/EV charging, grocery stores/grocery delivery, or restaurants). Excludes discount stores/supercenters and wholesale clubs. | — |
| Chosen 5% Categories | 5% backEarns 5% cash back on your first $2,000 in combined Net Purchases each quarter in two categories you choose and enroll in. Purchases over $2,000 earn 1%. Excludes discount stores, supercenters, and wholesale clubs. | — |
| Prepaid Travel Center Booking | 5% backEarns 5% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use this card. | — |
| Benefits | ||
Key Benefits |
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