Introductory APR Credit Cards can help you temporarily curb interest on new purchases and current credit card debt. Several different cards offer interest-free periods for purchasing and balance transfers, making it difficult to choose the right one. However, two options worth looking into are BankAmericard® Credit Card*and Wells FargoReflect® Card. Both cards have comparable advantages, but each has distinct advantages over the other, depending on your needs.
Main details
| BankAmericard® Credit Card | Wells FargoReflect® Card | |
|---|---|---|
| Welcome bonus | n/a | n/a |
| Remuneration rate | n/a | n/a |
| Intro April |
|
|
| Normal April | 15.24%-25.24% APR fluctuations with purchases and balance transfers | 17.24%, 23.74%, or 28.99% Variable APR |
| Balance transfer fee | 3%, 4% for 60 days after account creation | 5%, Minimum: $5 |
| Annual fees | $0 | n/a |
| Benefits |
|
|
BankAmericard and Wells Fargo reflect card highlights
Both cards offer a similar 0% introductory period and do not charge an annual fee. These factors combine to reduce interest, but the right cards for you will depend on how you use your card and how you will use your debt management strategy. Comparing both cards, the ongoing APR differences, balance transfer fees and referral periods make these cards stand out from each other.
Which balance transfer cards save you the most money?
Both BankAmericard and Wells Fargo offer a long intro APR period with balanced transfers, but the amount you save on either card depends on the amount you plan to transfer, how you pay off your debts, and the speed of your speed.
BankAmericard vs. Wells Fargo reflects an example of balanced card transfer
Compare to transfer your $3,000 balance to any card using a credit card balance transfer calculator.
| Card name | balance | Transfer fee | Monthly payment | Total payment amount |
|---|---|---|---|---|
| Wells Fargo reflects the card | $3,000 | $150 (5% in the first 120 days) | $150 21 months | $3,150 |
| BankAmericard | $3,000 | $90 (3% in the first 60 days) | $172 18 months | $3,090 |
Wells Fargo reflects the cost of a slightly more card overall than BankAmericard due to balance transfer fees, but you also get lower monthly payments and time to repay your balance before the Intro APR period ends.
You need to determine whether a higher monthly fee fits your budget. If possible, BankAmericard will be a more affordable option for balanced transfers.
Why should I get BankAmericard?
BankAmericard is perfect for those who want to make a long-term, affordable effort for those who manage their debts without putting any substantial fees. If you are focusing solely on reducing your debt, there is no risk of increasing your current balance. You can also access ongoing APRs that are significantly lower than the intro period. If you are thinking about getting a card, there are other benefits to consider.
Why does Wells Fargo need to reflect cards?
If you manage your debts, but still want to carry perks that bring value to your wallet with your credit card, Wells Fargo’s Reflections may be a great choice for you. The additional benefits that are worth getting a card are:
Conclusion
While neither card offers the perks and perks that are usually found on reward credit cards that introduce APR periods with purchases, balance transfers, or both, the BankAmericard and Wells Fargo reflexes are valuable options to consider if you want to focus solely on debt management without any reward distractions.
These cards are very similar, so your preferences as a cardholder should take precedence when deciding on them. BankAmericard might be perfect for you if you’re looking for an ongoing balance transfer fee and lower APR rate, but Wells Fargo’s reflection may be correct if you place emphasis on cardholder perks, lower monthly payments, and longer Intro APR periods.
Can’t you still decide between the two? Read reviews of both BankAmericard and Wells Fargo. Our team of experts will help you to thoroughly analyze each card and select the best card for your needs.
*BankAmericard® credit card information is collected independently by the bank rate. Card details have not been reviewed or approved by the card issuer.
The Bank of America content in this post was last updated on July 3, 2025.
