Rubric ☰ Compare Categories Calculators Markets Ask How scoring works Home › Credit cards › Compare › Wells Fargo Reflect vs Navy Federal Platinum
Wells Fargo Reflect vs Navy Federal Platinum 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: too close to call (under 3 pts). Scores: Wells Fargo Reflect 55.4%, Navy Federal Platinum 58.1%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Wells Fargo Reflect nets $0/yr , Navy Federal Platinum nets $0/yr after annual fees. Use your own numbers →
Criterion scores (0–10) Annual fee Reflect: 10.0 · Platinum: 10.0 Rewards rate Reflect: 0.0 · Platinum: 0.0 Sign-up bonus Reflect: 0.0 · Platinum: 0.0 Intro 0% APR Reflect: 10 · Platinum: 5.7 Regular APR Reflect: 7.8 · Platinum: 10 Foreign transaction fee Reflect: 3.0 · Platinum: 10.0 Regulatory record (CFPB) Reflect: 8.0 · Platinum: n/a Wells Fargo Reflect Issuer Wells Fargo Type balance transfer Annual fee $0 creditcards.wellsfargo.com, 2026-10-11 Regular purchase APR 17.74%–28.49% variable creditcards.wellsfargo.com, 2026-10-11 Rewards No rewards program shown creditcards.wellsfargo.com, 2026-10-11 Sign-up bonus (≈$) $0 No sign-up bonus shown creditcards.wellsfargo.com, 2026-10-11 Intro APR 21 months 0% intro APR 21 months on purchases and qualifying balance transfers creditcards.wellsfargo.com, 2026-10-11 Foreign transaction fee 3% 3% of each transaction converted to U.S. dollars (FAQ + Pricing Addendum) creditcards.wellsfargo.com, 2026-10-11 Penalty APR none No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30 Late fee not found files.consumerfinance.gov, 2025-12-31 Balance transfer fee not found files.consumerfinance.gov, 2025-12-31 Cash advance fee not found files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 25 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.49% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 16.49%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Navy Federal Platinum Issuer Navy Federal Type balance transfer Annual fee $0 navyfederal.org, 2026-10-12 Regular purchase APR 10.24%–18.0% variable navyfederal.org, 2026-10-12 Rewards 0% base navyfederal.org, 2026-10-12 Sign-up bonus (≈$) $0 No sign-up bonus shown navyfederal.org, 2026-10-12 Intro APR 12 months 0.99% (not 0%) intro APR for 12 months on balance transfers made in the first 60 days; no transfer fee navyfederal.org, 2026-10-12 Foreign transaction fee none files.consumerfinance.gov, 2025-12-31 Penalty APR up to 18.0% up to; per Navy Federal agreement consumerfinance.gov, 2026-06-30 Late fee up to $20 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee not found files.consumerfinance.gov, 2025-12-31 Cash advance fee not found files.consumerfinance.gov, 2025-12-31 Credit needed no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 25 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 18% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 10.49%–18.0% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Downsides Wells Fargo · balance transfer Annual fee $0 APR 17.74%–28.49% variable Rewards No rewards program shown Credit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.49% if you carry a balance
Navy Federal · balance transfer Annual fee $0 APR 10.24%–18.0% variable Rewards 0% base Credit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ Penalty APR up to 18.0% · Late fee up to $20
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 Navy Federal Platinum? On VaultRubric's rubric: too close to call. 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.