Wells Fargo Reflect
Visa low interest card with no annual fee. Earns .
Terms read from Wells Fargo's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- Not stated
- Purchase APR
- 17.74% to 28.49%
- Intro APR on purchases
- 21 months
- Intro APR on balance transfers
- 21 months
Rewards
- No rewards.
Earns cash back.
Perks, not valued
- Cell phone protection up to $600
Not confirmed
- Balance transfer fee isn't on the card page, so the balance transfer intro isn't valued.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $0 | $0 | $0 | Never |
| Family | $0 | $0 | $0 | Never |
| Frequent traveller | $0 | $0 | $0 | Never |
Frequently asked questions
Is the Wells Fargo Reflect worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $0 in year 1 and $0 a year after that, after no annual fee.
What is the Wells Fargo Reflect welcome bonus?
There's no welcome bonus 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.
What isn't counted in its value?
No rewards: the card's value is its long intro APR, which counts only if you carry a balance. The intro rate applies to balance transfers made within 120 days.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.