Wells Fargo Reflect Card
- Annual Fee
- $0
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Traditional
- Credit Required
- Good to Excellent
Earning Rates
- 0X
All Other
This card does not earn rewards; value comes from industry-leading intro APR period
Benefits & Perks
Insurance & Protections
5 protectionsUp to $600 per claim cell phone protection
$600
secondary
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
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.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Roadside Dispatch®
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For
Reviews & Analysis
Pros and Cons
Pros
- +21-month 0% intro APR on purchases and qualifying balance transfers
- +No annual fee
- +Cell phone protection up to $600 with $25 deductible
- +Auto rental collision damage waiver and Roadside Dispatch
- +Free authorized user cards
Cons
- -Earns no rewards on purchases
- -3% foreign transaction fee
- -5% balance transfer fee (minimum $5)
- -Limited value after intro APR period ends
Who It's Best For
Best For
- Paying off existing credit card debt with 0% APR balance transfers
- Large purchases you need time to pay off interest-free
- Cardholders who prioritize debt payoff over rewards
- Those seeking a long 0% intro APR period (21 months)
Not Ideal For
- Earning rewards on everyday spending
- International travel (3% foreign transaction fee)
- Maximizing cash back or points
- Those who pay their balance in full each month
Details & Terms
Payment Terms
| Purchase APR | 17.74%–28.49% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Wells Fargo | — | Wells Fargo |
| RewardsCC API | — | RewardsCC API |
| Wells Fargo | — | Wells Fargo |
| Wells Fargo | — | Wells Fargo |
| Wells Fargo | Wells Fargo |