Bank of America Travel Rewards credit card vs. Wells Fargo Reflect Card
On the criteria below, Bank of America Travel Rewards credit card wins 2 of 5. The verdict depends on which criteria matter to you.
Bank of America Travel Rewards credit card
Bank of America
Wells Fargo Reflect Card
Wells Fargo
Bank of America Travel Rewards credit card wins 2 of 5 criteria here, making it the stronger all-rounder.
Bank of America Travel Rewards credit card wins on earning ceiling and foreign transactions; Wells Fargo Reflect Card wins on travel insurance.
Who wins what
2 vs 1 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card earns more on its best category (3× vs 0×).
- Travel insurance Wells Fargo Reflect Card
Wells Fargo Reflect Card carries built-in travel insurance.
- Foreign transactions Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- 3×
- —
- Top categories
- Travel
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Bank of America Travel Rewards Points
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.