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Wells Fargo Visa

Wells Fargo Reflect Card

The Reflect is Wells Fargo's long-APR card: 0% intro APR for 21 months on purchases and qualifying balance transfers, with no annual fee. Its value is concentrated in that financing window, plus cell phone protection and rental car CDW from the Guide to Benefits. The weak spots are the 5% balance transfer fee, 3% foreign transaction fee, and the absence of rewards disclosures in the captured issuer pages.

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Wells Fargo Reflect Card card art
  • Annual fee
    Free
  • Welcome offer
    0% intro APR for 21 months
    No fixed cash, points, or miles welcome bonus is disclosed on the captured issuer page. The acquisition headline is 0% intro APR for 21 months on purchases and qualifying balance transfers.
  • Recommended credit
    700-780
    Median 710. See why →

Benefits and credits

Travel credits and perks

  • Roadside Dispatch

Purchase and protection benefits

  • Cellular Telephone Protection
    Up to $600
  • Zero Liability Protection

credit-building

  • Credit Close-Up

financing

  • 0% Intro APR for 21 Months

shopping

  • My Wells Fargo Deals

Travel and purchase coverage

  • Rental car collision damage waiver
    $50,000
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
17.49% to 28.24%
Foreign tx
3.00%
Penalty APR (cap)
29.99%
Balance transfer
17.49% to 28.24%
Fee $5 or 5.00%, whichever is greater
Cash advance
29.49%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · Not disclosed

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Not disclosed
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Not disclosed
  • Reports AU to bureaus
    Yes
    Reports authorized user activity to all three bureaus.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of June 17, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.