Which Credit Card Provider Barclay or Wells Fargo Has the Better Rewards card offer in 2018

Both the Barclay CashForward World Mastercard and Wells Fargo Cash Wise Visa have a few things in common. First of all, both cards offer a $200 signup bonus when you spend $1,000 in the first 3 months from the accounting opening.

With Wells Fargo Cash Wise Visa, you can redeem your rewards for cash, merchandise, travel statement and digital rewards when you have reached $25 in your rewards. Barclay CashForward World Mastercard allows you to redeem your rewards with statement credit, gift card and direct deposit into account. You can start redeeming the rewards when you have accumulated $50 worth of redemption in your account.

Both Wells Fargo Cash Wise Visa and Barclay CashForward World Mastercard don’t have any annual fee, provide 24/7 account protection and free FICO score access. Both charge a 3% ($5 minimum) balance transfer fee and 3% foreign transaction fee. Both cards feature chip card technology which makes it more secure to shop overseas.

Wells Fargo Cash Wise Visa has a zero percentage intro promo that last for 12 months for purchases and balance transfers. On the other hand, Barclay CashForward has a zero percentage intro promo that last for 15 months on purchases and balance transfers. You must transfer your balance in 45 days to take advantage of the zero percentage intro promo.

Wells Fargo Cash Wise Visa allows cardholders to earn 1.8% cash back when they shop via mobile app like Apple Pay, Android Pay, Samsung Pay and Wells Fargo Wallet in the first year of the account opening. Barclaycard Cash Forward World Mastercard, on the other hand, let you earn 5% cash bonus every time you redeem. For example, if you redeem $100 in cash rewards, you will earn a $5 cash rewards bonus.

Wells Fargo Cash Wise Visa offers cellphone protection for up to $600 in the event that your cell phone is damaged or stolen. It offers auto rental collision damage waiver for a car that you rent during your holiday trip. You must not accept the car rental company’s insurance if you want to get the coverage. They also offer emergency card replacement services and can quickly send you a replace card when you report your missing card. Barclaycard CashForward offers free travel assistance for 24/7 throughout the year in case you need help in getting to a destination during your trip in an overseas country.

In conclusion, Wells Fargo Cash Wise Visa card is designed for people who want to maximize their cash rewards in the first year. Barclaycard CashForward is the best for people whose goal is to maximize their savings. Barclaycard Cash Forward will only approve applicants with excellent credit score. Therefore, it is easier to get approved for Wells Fargo Cash Wise Visa card if you have a less than perfect credit score.

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