Upgrade Life Rewards Visa®
Cash back
Upgrade Life Rewards Visa®
Upgrade - Visa - Credit card
4.4
4.4 out of 5
8.8/10
Apply now
Head-to-head
Upgrade Life Rewards Visa® vs Wells Fargo Reflect® Card
Compare Upgrade Life Rewards Visa® and Wells Fargo Reflect® Card side by side: fees, rewards, APR, and perks.
Last verified
Wells Fargo Reflect® Card
No rewards
Wells Fargo Reflect® Card
Wells Fargo - Visa - Credit card
4.4
4.4 out of 5
8.8/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Upgrade Life Rewards Visa® | Wells Fargo Reflect® Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 14.99% | 17.49% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 3% |
| Rewards | 3% cash back on Gas, Groceries, Streaming, and Utilities (excluding Target and Walmart); 1% cash back on all other purchases. Both tiers have no cap. | No ongoing rewards program; card is optimized for 0% intro APR on purchases and balance transfers. |
| Installments | Each purchase converts to a closed-end installment loan at a fixed rate and term. | - |
| No card fee | ||
| No foreign transaction fee | - | - |
| Welcome bonus | ||
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Upgrade Life Rewards Visa® if its checked rows above line up with how you spend most.
- Choose the Wells Fargo Reflect® Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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