- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 4.5
- Application
- 4
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 4.5
- Application
- 4
- Issuer
- NaN
The Wells Fargo Reflect Card is a no-annual-fee credit card designed for consumers who prioritize simplicity and everyday protections over rewards churning or travel perks. Perfect for budget-conscious cardholders, those new to credit, or anyone seeking basic financial tools without extra cost, the card offers valuable benefits like cell phone protection up to $600 when paying your monthly bill and roadside dispatch for unexpected travel mishaps. However, with no welcome bonus, no spending multipliers, and a 3% foreign transaction fee, it’s not the best choice for rewards maximizers or frequent international travelers. Overall, the Wells Fargo Reflect Card appeals to individuals who want straightforward credit access with practical protections and no annual fee, rather than robust reward earnings or premium travel features.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having a credit history for at least 2 years
- You can only open 1 Wells Fargo card in a 6 month period
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $40 late fee
- 17.49% - 28.24% Variable APR
- 29.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 17.49% - 28.24% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)