U.S. Bank Split™ World Mastercard®
No rewards
U.S. Bank Split™ World Mastercard®
U.S. Bank - Mastercard - Credit card
4.5
4.5 out of 5
9.0/10
Apply now
Head-to-head
U.S. Bank Split™ World Mastercard® vs Wells Fargo Reflect® Card
Compare U.S. Bank Split™ World Mastercard® and Wells Fargo Reflect® Card side by side: fees, rewards, APR, and perks.
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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 | U.S. Bank Split™ World Mastercard® | Wells Fargo Reflect® Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | - | 17.49% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 3% |
| Rewards | No rewards program. All purchases are automatically split into installment plans — no interest charges on any plan. | No ongoing rewards program; card is optimized for 0% intro APR on purchases and balance transfers. |
| Installments | All purchases automatically split into 3 equal monthly payments with no interest and no plan fee. Purchases of $100+ can be extended to 6 or 12 months for a fixed monthly plan fee of 1.5% of the original plan amount. Small purchases under $100 combined into a 3-month plan that cannot be extended. | - |
| 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 U.S. Bank Split™ World Mastercard® 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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