Wells Fargo Reflect® vs. Blue Cash Preferred® Card from American Express
Side-by-side comparison · Updated 2026 · Independently reviewed
Blue Cash Preferred® Card from American Express
American Express
4.6
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
Full review →WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. Blue Cash Preferred® Card from American Express may still win for your wallet depending on how you spend.
Feature
Wells Fargo Reflect®
Blue Cash Preferred®
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
None
$350
Rewards Rate
0%
1%-6%
Rewards Type
None
Cash Back
0% Intro APR
0% intro APR for up to 21 months
0% for 12 months
Regular APR
18.24%-29.99% Variable Best
19.24%-29.99% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
Blue Cash Preferred® Card from American Express
Pros
- 6% back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming subscriptions
- $0 intro annual fee for first year
Cons
- $95 annual fee after first year
- 6% grocery bonus caps at $6,000/year
- Foreign transaction fee
Not sure which card is right for you?
Browse all credit cards