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Terms read from Wells Fargo's page on Oct 16, 2026.
Year 1, after fees
$0
Year 2+, after fees
$0
every year after
3 years, after fees
$0
Break-even
No fee
Earn rate by category
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $0 | $0 | $0 | No fee |
| Couple ($2,555/mo) | $0 | $0 | $0 | No fee |
| Family ($3,350/mo) | $0 | $0 | $0 | No fee |
| Frequent traveller ($3,880/mo) | $0 | $0 | $0 | No fee |
| Big spender ($7,960/mo) | $0 | $0 | $0 | No fee |
Who it suits
- People who want one flat rate on everything.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
- Purchase APR
- 17.74% to 28.49% (variable)
- Intro APR on purchases
- 21 months, then the purchase APR
- Intro APR on balance transfers
- 21 months
Rewards
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Cash back: Paid in cash, so the value is exact, not an estimate.
- Note: No rewards: the card's value is its long intro APR, which counts only if you carry a balance.
- Note: The intro rate applies to balance transfers made within 120 days.
Not counted or not confirmed
- Balance transfer fee isn't on the card page, so the balance transfer intro isn't valued.
Perks, listed but not valued
- Cell phone protection up to $600
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $0.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Wells Fargo Reflect worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $0 in year 1 and $0 a year after that, after no annual fee.
What is the Wells Fargo Reflect welcome offer?
There's no welcome offer on the issuer's page.
Does the Wells Fargo Reflect charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.