Home › Credit cards › Compare › Wells Fargo Reflect vs Amex Blue Cash Everyday

Wells Fargo Reflect vs Amex Blue Cash Everyday

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Amex Blue Cash Everyday leads by 9.7 pts. Scores: Wells Fargo Reflect 55.4%, Amex Blue Cash Everyday 65.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Wells Fargo Reflect nets $0/yr, Amex Blue Cash Everyday nets $434/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeReflect: 10.0 · Everyday: 10.0
• Rewards rateReflect: 0.0 · Everyday: 5.0
• Sign-up bonusReflect: 0.0 · Everyday: 2.0
• Intro 0% APRReflect: 10 · Everyday: 8.6
• Regular APRReflect: 7.8 · Everyday: 7.0
• Foreign transaction feeReflect: 3.0 · Everyday: 3.0
• Regulatory record (CFPB)Reflect: 8.0 · Everyday: 10.0

Downsides

• Wells Fargo Reflect55.4%
  Wells Fargo · balance transfer
  Annual fee $0APR 17.74%–28.49% variableRewards No rewards program shownCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.49% if you carry a balance

• Amex Blue Cash Everyday65.1%
  American Express · cash back
  Annual fee $0APR 19.74%–28.74% variableRewards 3% U.S. supermarkets, U.S. online retail, U.S. gas (each up to $6k/yr); 1% otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Wells Fargo Reflect or Amex Blue Cash Everyday?

On VaultRubric's rubric: Amex Blue Cash Everyday scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.