Wells Fargo

Reflect Card

Estimated value every year on typical spending

$312/ year

Every year, after the annual fee. No welcome bonus.

+$312rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spending Compare with another card Visit Wells Fargo

Is it worth it?

With no annual fee, the Wells Fargo Reflect Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.

The fine print

Intro APR: 0% for the first 21 months
Regular APR: 17.74% to 24.24% variable
Foreign fee: 3%
Top perk: $600 against damage or theft
Approval: Good credit recommended
Redeem for: Statement credit · Direct deposit · Gift cards

Rewards

The card offers personalized deals through My Wells Fargo Deals, allowing cardholders to earn cash back as account credits

Sign-up bonus

None

Best for

Keeping costs at $0

Not ideal for

Frequent international travelers

Trade-offs: No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee: $0
Intro APR: 0% for the first 21 months
Regular APR: 17.74% to 24.24% variable
Balance transfer fee: None

$1200/mo on everyday spending earns about $144/year (1%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Reflect Card: questions people ask

Is the Wells Fargo Reflect Card worth it?

With no annual fee, the Wells Fargo Reflect Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.

What is the Wells Fargo Reflect Card annual fee?

The Wells Fargo Reflect Card has no annual fee ($0).

What does the Wells Fargo Reflect Card earn?

The card offers personalized deals through My Wells Fargo Deals, allowing cardholders to earn cash back as account credits.

What credit score do you need for the Wells Fargo Reflect Card?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Wells Fargo Reflect Card charge foreign transaction fees?

Yes: 3%.

Does the Wells Fargo Reflect Card have a 0% intro APR?

0% for the first 21 months. After that the regular APR is 17.74% to 24.24% variable.

Compare Reflect Card

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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Wells Fargo product page. Terms change often; confirm them with the issuer before you apply.