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VISAVisa Traditional

Wells Fargo Reflect Card

Annual Fee

Source: Wells Fargo

Apply on Wells Fargo's site

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Benefits & Perks

Travel Benefits

3 perks

Hotel Program

900+ luxury hotel properties with exclusive perks

Concierge

24/7 Visa Signature Concierge service

Golf

Automatic Silver status with Troon Access

Insurance & Protections

Reviews & Analysis

Pros and Cons

Pros

+Industry-leading 21-month 0% intro APR (extendable to 24 months with on-time payments)
+No annual fee
+Cell phone protection up to $600 with $25 deductible
+Visa Signature benefits including extended warranty and purchase protection
+Free authorized user cards

Cons

-Earns no rewards on purchases
-3% foreign transaction fee
-5% balance transfer fee (minimum $5)
-Must make on-time payments to extend intro APR from 21 to 24 months
-Limited value after intro APR period ends

Details & Terms

Payment Terms

Purchase APR	17.49%–28.24% (Variable)
Cash Advance APR	29.49% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Card Design

Wells Fargo Reflect Card card art variant 2

Evidence Sources

Source	Verified	Citation
Wells Fargo	—	Wells Fargo
RewardsCC API	—	RewardsCC API
Wells Fargo	—	Wells Fargo
Wells Fargo	—	Wells Fargo

Explore More

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Up to $600 per claim cell phone protection

$600secondary

Coverage for cell phone damage, theft, or involuntary parting up to $600 per claim when you pay your monthly wireless bill with this card

View conditions

Deductible: 25

Cellular Telephone Protection

$600

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

View conditions

Deductible: 25

Extended warranty adds up to 1 year

Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.

Zero liability for unauthorized charges

You're protected against fraudulent transactions made without your permission when reported promptly

Show all 12 protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Auto rental collision damage waiver

secondary

Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.

$300 coverage after 12+ hour delay

$300secondary

Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.

$300 coverage for baggage delays over 4 hours

$300secondary

Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.

Up to $250 return protection per item

$250

Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).

Roadside Dispatch®

A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

24/7 roadside dispatch assistance (pay-per-use)

24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.