Wells Fargo Reflect® Card
Basic Information
Program ID: wells-fargo-reflect-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:35
Last Scraped: 01/15/2026 08:15
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,824.00% - 2,724.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 21 months
Balance Transfer APR: 2,724.00%
Intro BT APR: 0.00%
Intro BT Duration: 21 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The Wells Fargo Reflect Card typically does not offer a traditional cash back or points sign-up bonus. Its primary benefit is an extended 0% introductory APR period on purchases and qualifying balance transfers, not a spend-based welcome offer.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: None - This card does not earn rewards.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Not applicable, as this card does not earn rewards.
Transfer Partners: None - This card does not earn rewards.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Wells Fargo Reflect card in 2026 generally requires applicants to be 18 years or older, a U.S. citizen or permanent resident, and possess a good to excellent credit score (typically 670+). Income verification may be required. The specific bonus rule for this card is 'One bonus per 15 months per card,' meaning if an applicant has received an introductory offer (such as the extended 0% APR) on the Wells Fargo Reflect card within the last 15 months, they are generally ineligible for a new introductory offer on the same product. Additionally, Wells Fargo typically enforces broader application velocity rules, limiting new credit card approvals to one card every 6 months and two cards every 15 months across all Wells Fargo credit products.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A - The Wells Fargo Reflect card does not offer a traditional sign-up bonus requiring a minimum spend for points or cash back. Its primary benefit is an extended 0% introductory APR on purchases and balance transfers.
Shutdown Risk Triggers: Manufactured spending (MS) or suspicious transaction patterns inconsistent with typical consumer behavior; rapid application for multiple credit products (velocity); high cumulative credit limit across all Wells Fargo products relative to reported income; frequent balance transfers to other issuers immediately after receiving a new card; bouncing payments or late payments; abuse of return policies or credit card benefits; significant changes in credit profile (e.g., sudden drop in credit score, new bankruptcies).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Exceptional introductory APR period for balance transfers and new purchases, no annual fee, helps consolidate debt and save on interest.
Top Negative Feedback:
No rewards program, foreign transaction fees apply, high regular APR after introductory period.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Citi Simplicity Card
- Discover it Balance Transfer
- BankAmericard
Card Value Score: 90.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 88.0%
Terms Version Control
Version ID: v1.0