What is the best solution for you? Wells Fargo Reflect℠ Card or Upgrade Cash Rewards Card? Two cards, two very different solutions for those seeking access to credit.

Indeed, one of them offers one of the largest term 0% APR on the market. On the other hand, the other one has an incredible 1,5% cash back program.

Sure enough, that brief description might have got you interested in another card. However, it is not very wise to decide which credit card to have just by buying the main advantage of one or the other.

In fact, a bad choice can do more harm than good. Also, choosing a card that doesn’t fit your consumer profile can hurt your credit score. That’s exactly why we wrote this article.

Our team analyzed the two products, breaking down each piece of information. The result was a fact-based analysis. What is the best card for you? Well, we have compiled the necessary information for you to arrive at the best answer.

So, check out the advantages, disadvantages and comparative analysis of each of these products.

A card that will make you forget what it’s like to pay APR for at least 18 months. This is, without a doubt, the great differential of this credit card. In addition, this benefit can be extended for 3 months, if you pay your monthly card bills on time.

This feature makes this card a great choice for facing periods of uncertainty. Indeed, this credit product became very popular during the most recent health catastrophe.

In this scenario, Wells Fargo innovated by offering a much longer 0% APR period than most. However, for this, it did not include cash back programs, a common feature in similar cards.

In normal situations, this type of card is excellent for those facing periods of career changes. In case of dismissal, for example, you won’t worry about interest on debts if you don’t pay your bills on time.

Another special benefit that we cannot forget is the Balance transfer fee. For the first four months, it stays at $5 or 3% (whichever is higher). In some cases, the value of this fee may be below the average practiced on most cards.

In the months after this period, the Balance transfer fee remains at $5 or 5% (whichever is higher). Below is an overview of all the benefits and drawbacks of this option:

With the Wells Fargo Reflect℠ Card you have excellent starting conditions and no cash back programs. The Upgrade Cash Rewards Card offers the exact opposite. The friendly green credit card offers 1.5% cash back on all purchases.

Also, there are no limits, you can accumulate as many points as you can without restrictions. These points will be returned to you as a balance on the next statement.

Thus, this card can be an excellent option for those who make many monthly purchases using credit. In some cases, it is even possible to add up better benefits than those obtained on introductory 0% APR cards.

The possibility of having a good APR is another very interesting feature. Since it is possible to know your APR while still in the application, it is worth doing a simulation on the website.

Here is a general summary of the benefits and disadvantages of this credit card:

We strongly hope that this article was enough to clear all your doubts and help you make your choice. However, if you prefer to take a look at other cards, that’s fine.

Click on the link below and learn about another option that may better suit your profile, the OakStone Gold Secured Mastercard® credit card.