Card details · Wells Fargo
Wells Fargo Reflect Card review: fees, rewards and APR
The Wells Fargo Reflect® Card is a credit card from Wells Fargo with a $0 annual fee. By our overall score it ranks #86 of the 242 credit cards we rank (store-only cards excluded), and #2 of 7 Wells Fargo cards. It is listed in our 0% intro APR rankings.
Key facts
- Issuer
- Wells Fargo
- Network
- Visa
- Annual fee
- $0
- Intro APR
- purchases 21 months · balance transfers 21 months
- Ongoing APR
- 17.74%, 24.24% or 28.49% variable APR
- Balance transfer fee
- 5% for each balance transfer, with a minimum of $5.
- Our overall score
- 60 (#86 of 242 cards)
Intro APR and balance transfers
0% intro APR on purchases for 21 months. 0% intro APR on balance transfers for 21 months. Balance transfer fee: 5% for each balance transfer, with a minimum of $5.
Balance transfer fee: 5% for each balance transfer, with a minimum of $5.
Ongoing APR: 17.74%, 24.24% or 28.49% variable APR
Where it ranks
- Overall: #86 of 242 cards (score 60)
- Wells Fargo credit cards: #2 of 7
- 0% intro APR cards: #5 of 46 by our 0% intro APR score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Wells Fargo’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Wells Fargo Reflect Card?
$0, as stored in our database. Confirm the current fee on Wells Fargo’s site.
Does the Wells Fargo Reflect Card have a welcome bonus?
Our database lists no welcome offer for this card right now.
Does the Wells Fargo Reflect Card have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 21 months. 0% intro APR on balance transfers for 21 months. Balance transfer fee: 5% for each balance transfer, with a minimum of $5. Terms apply.
How does the Wells Fargo Reflect Card rank on YourBestCards?
#86 of 242 cards by our overall score (60). In our category lists: #5 of 46 0% intro APR cards.
Other top Wells Fargo cards
- #1
Wells Fargo Signify Business Cash®
Score 60- Unlimited 2% cash rewards on purchases
- Annual fee
- $0
- Welcome offer
- EARN a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months
- Intro APR
- purchases 12 months
- 2% back on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
- Intro APR
- purchases 12 months · balance transfers 12 months
- 3X points on restaurants, dine in, take-out, catering and delivery, gas stations and transit including electrical vehicle charging stations, subways, ride shares, parking and tolls
- popular streaming services & phone plans
- travel like airfare, hotels, car rentals, and cruises
- Annual fee
- $0
- Welcome offer
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
- Intro APR
- purchases 12 months
- #5
Choice Privileges® Select Mastercard®
Score 55- 10X points at Choice Hotels
- 5X on gas/grocery
- home improvement
- Annual fee
- $95
- Welcome offer
- EARN 60,000 bonus points when you spend $3,000 in purchases in the first 3 months
- #6
Autograph Journey℠ Card
Score 54- 5X points with hotels
- 4X points with airlines
- 3X points on other travel and restaurants
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points when you spend $4,000 in purchases within the first 3 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.