Wells Fargo Reflect® Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
All Other Purchases The Wells Fargo Reflect Card does not earn any rewards or cash back on purchases; it is a no-rewards, intro APR and balance transfer card.	0x	Cash Back	No cap

Benefits & Protections

Cell Phone Protection

Benefit	Category	Value / Coverage
My Wells Fargo Deals Cardholders have access to personalized cash back offers from select merchants through the My Wells Fargo Deals program; activated offers earn cash back as a statement credit when purchases are made with the eligible Wells Fargo card at participating merchants.	Credits	Variable cash back (statement credit)
0% Intro APR on Balance Transfers Qualifying balance transfers made within 120 days of account opening receive a 0% introductory APR for 21 months from account opening; after the intro period, the standard variable APR applies; a balance transfer fee of 5% (minimum $5) applies.	Financial	0% APR for 21 months on qualifying BTs
0% Intro APR on Purchases Cardholders receive a 0% introductory APR on purchases for 21 months from account opening; after the intro period, a variable APR of 17.49%, 23.99%, or 28.24% applies based on creditworthiness.	Financial	0% APR for 21 months
No Annual Fee The Wells Fargo Reflect® Card carries no annual fee for the life of the account.	Financial	$0 Up to $0
No Penalty APR Wells Fargo does not charge a penalty APR on this card, meaning a late payment will not trigger a rate increase above the standard variable APR.	Financial	Complimentary
Cell Phone Protection When the monthly wireless bill is paid with this card, cardholders receive coverage of up to $600 per claim against cell phone damage or theft, with a $25 deductible; limited to two paid claims per 12-month period. Coverage is supplemental and excess to other applicable insurance.	Insurance	Up to $600 per claim Up to $600
Free FICO® Credit Score Access Wells Fargo cardholders can access their FICO® Score for free through their Wells Fargo Online account or mobile app on a monthly basis; checking does not impact the credit score.	Lifestyle	Complimentary
Zero Liability Protection Cardholders are not held responsible for unauthorized transactions made with their card or account information when reported promptly, subject to Wells Fargo's zero liability policy terms.	Security	$0 liability Up to $0
24/7 Roadside Dispatch Cardholders have access to a 24/7 on-demand roadside dispatch network for emergency vehicle services including towing, fuel delivery, tire change, locksmith services, and winching; no membership is required but cardholders are responsible for the cost of services rendered.	Travel	Complimentary dispatch access (services at cardholder's cost)

Interest Rates

0%

Intro Purchase APR for 21 months

0%

Intro BT APR for 21 months

Purchase APR17.49%–28.24% Variable

Balance Transfer APR28.24%

Min. Interest Charge$1

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction Fee3%

Balance Transfer Fee5% (minimum $5) for balance transfers made within 120 days from account opening at the intro rate; 5% (minimum $5) for future balance transfers

Cash Advance Fee5% of the amount of each cash advance, minimum $10

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $1,000 – No limit listed

Issuer Rules & Restrictions

Shutdown Risk Triggers

Manufactured spending, excessive cash advances, too many new accounts opened in a short period, returned payments, pattern of applications primarily for intro APR periods followed by closure

Cliff Effect Rules

No card-family bonus cliffs apply to the Wells Fargo Reflect® Card as it carries no welcome bonus. However, Wells Fargo's six-month rule restricts opening a new Wells Fargo card if another was opened within the prior six months.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Wells Fargo enforces a six-month rule — applicants who have opened a Wells Fargo credit card within the past six months are typically ineligible to open another (with limited exceptions such as the Bilt Mastercard). The Wells Fargo Reflect® Card does not offer a traditional welcome bonus, so there are no bonus-eligibility cliffs or spending requirements to satisfy; its core benefit is the 21-month 0% intro APR on purchases and qualifying balance transfers made within 120 days of account opening. Wells Fargo does not publish a hard cap on the total number of personal credit cards a customer may hold simultaneously.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Wells Fargo provides SCRA protections including a reduced interest rate of 4% (below the federally required 6% cap) on balances incurred prior to active duty military service; eligible servicemembers must submit a written request along with a copy of their military orders to receive benefits.

Hardship Program

Hardship program available.

Wells Fargo Reflect® Card