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Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

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Rates and Fees

$0 Annual Fee

Bonus Miles
Cash Back
Recommended Credit
Current Offer
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Cash Back

Summary

If you need time to pay off a balance or just want a little breathing room, the Wells Fargo Reflect® Card is a solid pick if you want to pay off debt.

‍

Earning Rewards

This card does not earn rewards.

Additional Benefits

  • Cell phone protection (Up to $600 coverage against damage or theft when you pay your monthly cell phone bill with the card, subject to a $25 deductible)
  • Access to deals from several merchants, with cash back as a statement credit
  • Zero Liability Protection

Foreign Transaction Fee

Rates and Fees
  • 3% Foreign Transaction Fee

Also consider

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Cash Back

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

CURRENT OFFER

Cash Back

Learn MoreRates & Fees
REWARDS RATE
N/A
ANNUAL FEE
$0
Our Score
Annual Fee (20%)
Welcome Offer (20%)
Rewards Rates (20%)
Redemption Value (15%)
Card Benefits & Perks (15%)
Travel Protections (10%)
Our Mission
Rating Methodology

Our Take

Comparable Cards

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FULL COMPARISON
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

Cons

Rewards Summary

This card does not earn rewards.

Additional Benefits

  • Cell phone protection (Up to $600 coverage against damage or theft when you pay your monthly cell phone bill with the card, subject to a $25 deductible)
  • Access to deals from several merchants, with cash back as a statement credit
  • Zero Liability Protection

How to make the most of your Wells Fargo Reflect® Card

Transfer Partners

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Offer History

OFFER DATES
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Who Should Get The Wells Fargo Reflect® Card?

Who Should Not Get The Wells Fargo Reflect® Card?

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

Frequently Asked Questions (FAQs)

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Our Experts

Updated:  
October 21, 2026
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🏆 Best for Breathing Room
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Rates & Fees | Terms Apply
What's on this page
Our Methodology & Mission
Our Take
Comparable Cards
Pros and Cons
Rewards Summary
Additional Benefits
How to make the most of your
Wells Fargo Reflect® Card
Transfer Partners
Offer History
Who should get the
Wells Fargo Reflect® Card
?
Who should not get the
Wells Fargo Reflect® Card
?
Recommended Credit
Customer Reviews
Related Articles
FAQs
Our Experts
What's on this page
Pro
Con
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