Card comparisonSide by side
U.S. Bank Smartly™ Visa Signature® 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, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | US Bank | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | cashback | balance transfer |
Card Tier Data: 2/2 cards | Premium | Entry Level |
Credit Score | Good(700-749) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 18.24% – 28.24% | 17.49% – 28.24% |
Intro APR | 0% for 12 months | 0% for 21 months |
| Rewards | ||
Welcome Bonus | — | — |
Bonus Value | — | — |
Reward Rate Data: 1/2 cards | 4x pts on all purchases (with $100k+ balance) | — |
Reward Program Data: 1/2 cards | U.S. Bank Smartly Rewards | — |
| Earning Rates | ||
| All Purchases | 2x ptsEarn unlimited 2 Points per $1 spent on eligible Net Purchases with no caps. | — |
| All Purchases (with $100k+ balance) | 4x ptsEarn a total of 4 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances of $100,000 or more. | — |
| All Purchases (with $10k-$49.9k balance) | 2.5x ptsEarn a total of 2.5 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances between $10,000 and $49,999.99. | — |
| All Purchases (with $50k-$99.9k balance) | 3x ptsEarn a total of 3 Points per $1 spent on your first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking/Safe Debit balances between $50,000 and $99,999.99. | — |
| Benefits | ||
Key Benefits |
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