Wells Fargo Reflect® vs. Capital One QuicksilverOne

Side-by-side comparison · Updated 2026 · Independently reviewed

Wells Fargo logo
Wells Fargo Reflect®
Wells Fargo
4.5

0% intro APR for up to 21 months. No annual fee.

Full review →
Capital One logo
Capital One QuicksilverOne
Capital One
4.4

1.5% cash back on every purchase. No annual fee.

Full review →
WealthSpott Verdict

Wells Fargo Reflect® and Capital One QuicksilverOne are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.

Feature
Wells Fargo Reflect®
Capital One QuicksilverOne
Annual Fee
$0
$0
Sign-up Bonus
None
None
Rewards Rate
0%
1.5%
Rewards Type
None
Cash Back
0% Intro APR
0% intro APR for up to 21 months
0% for 15 months
Regular APR
18.24%-29.99% Variable Best
19.99%-29.99% Variable
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
580-740
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
Full review
Capital One QuicksilverOne
Pros
  • Simple 1.5% on everything
  • No foreign transaction fee
Cons
  • No sign-up bonus
Full review

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