Advertiser Disclosure

Wells Fargo Reflect® Card

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Rates and Fees

No Annual Fee

Bonus Miles
Cash Back
Recommended Credit
Current Offer

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74% or 28.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Cash Back

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74% or 28.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Summary

Earning 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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Wells Fargo Reflect® Card

CURRENT OFFER

Cash Back

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74% or 28.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
REWARDS RATE
ANNUAL FEE
$0
Our Score
Annual fee (20%)
Welcome Offer (20%)
Point Redemption Value (20%)
Rewards Rates (15%)
Benefits (15%)
Travel Protections (10%)
Our Mission
Rating Methodology

Our Take

Comparable Cards

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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

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

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. 

How to make the most of your

Wells Fargo Reflect® Card

Transfer Partners

PROGRAM NAME
TRANSFER RATIO
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Offer History

OFFER DATES
OFFER DETAILS
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Best Complementary Cards

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Who Should Get The

Wells Fargo Reflect® Card

?

Who Should Not Get The

Wells Fargo Reflect® Card

?

Frequently Asked Questions (FAQs)

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Authors

Updated:  
May 12, 2025
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