100,000 Points
Worth $1,000
After you spend $25,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$125
Rec. Credit
Excellent
Wells Fargo
Reflect®
The Wells Fargo Reflect® is built for borrowers focused on managing interest costs, not earning rewards. It works best as a short-term balance transfer or financing card for planned payoff periods, rather than as an everyday spending card.
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Intro APR payoff
All information about Reflect® has been collected independently by MaxRewards. Reflect® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Reflect® worth it?
This card is great for...
Balance transfers
Large planned purchases
Cell phone bill protection
Yes, if your main goal is to avoid interest while you pay down a balance or finance a purchase over time. With no annual fee, the Reflect® makes the most sense for someone who values a long intro APR period more than points, cash back, or travel perks.
It is not a strong card to keep using after that promotional period if rewards matter to you. This card does not offer ongoing purchase rewards, has a 3% foreign transaction fee, and keeps its appeal fairly narrow. For readers who pay in full every month and want long-term value from everyday spending, a rewards card will usually be the better fit.
MaxRewards Verdict
The Reflect® is a practical low-cost tool for paying off debt or covering a large purchase over time. Its biggest limitation is simple: once the intro financing value is gone, there is very little reason to use it for everyday spending.
Benefits
More Benefits
Roadside Dispatch®
Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.
Cellular Telephone Protection
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
17.49%
Variable
Transfer APR
17.49%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$5
Cash Advance
$10
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Wells Fargo
See all 23 cards
60,000 Points
Worth $600
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 5%Hotel
- 4%Airline
- 3%Dining
Annual Fee
$95
Rec. Credit
Excellent
50,000 Points
Worth $500
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Excellent