Wells Fargo Reflect® Card

Wells Fargo Visa Pending

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7

Benefits

0

Reward Categories

—

Max Reward

18.2%

APR From
Basic Information
PENDING

Program ID: wells-fargo-reflect-card

Issuer: Wells Fargo

Card Name: Wells Fargo Reflect® Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:35

Last Scraped: Feb 05, 2026 13:17

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Wells Fargo complies with the Servicemembers Civil Relief Act (SCRA), offering protections such as interest rate reductions on certain pre-service obligations, protection from foreclosure, and other legal proceedings for eligible servicemembers.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Convenience 2
Digital Wallets

Easily add your card to digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.

Online and Mobile Banking

Manage your account, pay bills, and monitor transactions securely through Wells Fargo Online® and the Wells Fargo Mobile® app.

Security 3
Cell Phone Protection
Up to $600 per claim, $25 deductible

Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your Wells Fargo Reflect Card. Subject to a $25 deductible. Maximum of 2 claims per 12-month period.

Zero Liability Protection
Full protection

You won't be held responsible for unauthorized transactions when reported promptly.

Fraud Monitoring & Alerts

Wells Fargo actively monitors your account for suspicious activity and can send you alerts.

Travel Insurance 2
Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program available 24/7. Services include standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching.

Travel and Emergency Assistance Services
Referral service

Connects you with the appropriate local emergency services when you're away from home. Services include medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services obtained.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

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Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either 5% of the amount of each balance transfer or $5, whichever is greater.
Cash Advance: Either 5% of the amount of each cash advance or $10, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 18.24% - 27.24%

Balance Transfer APR: 18.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 21 months

Intro BT APR: 0% for 21 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Wells Fargo Reflect Card in 2026 requires good to excellent credit (typically FICO score 670+), being 18 years or older, and a U.S. resident with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Wells Fargo generally limits new credit card approvals to one every six months. The card's primary benefit is an introductory APR offer, and eligibility for this offer is limited to one per card product every 15 months. This means if you've received an introductory offer on the Wells Fargo Reflect Card within the last 15 months, you will not be eligible for another on the same card.

Max Cards Per Issuer: 4

Min Spend Interval: N/A - No traditional spend bonus for this card; primary benefit is an introductory APR offer.

Shutdown Risk Triggers: Manufactured spending, suspicious transaction patterns, rapid accumulation of new credit accounts or high cumulative credit limits across multiple issuers, bouncing payments, late payments, defaulting on other Wells Fargo products, abuse of introductory offers (e.g., balance transfers not paid down as expected), or providing inaccurate information on applications.

Cliff Effect Rules: Wells Fargo generally enforces a '1-in-6 rule' for new credit card applications, meaning you can typically only be approved for one new Wells Fargo credit card every six months. Additionally, the '15-month rule' applies to introductory offers: eligibility for an intro APR offer on a specific card product (like the Reflect Card) is limited to once every 15 months. High overall credit exposure across all credit cards (Wells Fargo and other issuers) can also lead to application denials or lower credit limits.

Special Events: N/A - This is not a store card.

Holiday Promos: N/A - The Wells Fargo Reflect Card primarily focuses on its long introductory APR offer rather than seasonal or holiday-specific promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent for balance transfers and new purchases with a very long 0% intro APR period. No annual fee and includes cell phone protection.

Top Negative:
Lacks any rewards program, making it less appealing after the intro APR period. Charges foreign transaction fees.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Simplicity Card
  • Discover it Balance Transfer
  • BankAmericard

Card Value Score: 88.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0