What does the Wells Fargo Reflect earn?

The Wells Fargo Reflect earns 1x on every purchase.

Is the Wells Fargo Reflect worth the annual fee?

The Wells Fargo Reflect has no annual fee, so there's no cost to keep it.

What credit score do I need for the Wells Fargo Reflect?

You typically need a 670+ credit score to qualify for the Wells Fargo Reflect.

Offer verified September 14, 2026Source: Wells Fargo official terms

Wells Fargo · Visa

Wells Fargo Reflect

Name: Wells Fargo Reflect
Brand: Wells Fargo

Annual Fee

Sign-Up Bonus

N/A

Base Rate

on everything

Best For

Financing a large purchase interest-free for 21 months

Key Benefits

Perks (not counted in our math)

Cell Phone Protection (up to $600)

Pay your monthly phone bill with the card

Roadside Dispatch

Pros & Cons

Pros

+ 21 months 0% intro APR on purchases AND balance transfers — tied for longest available
+ No annual fee
+ Cell phone protection when you pay your bill with the card

Cons

- No rewards — this card is for borrowing, not earning
- 5% balance-transfer fee
- High APR after the intro period (up to 28.24%)

Rates and fees may vary.See current rates, fees, and terms on Wells Fargo's site

Apply on issuer site — Wells Fargo Reflect

Recommended credit score: 670+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1

Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.