Wells Fargo Reflect Card
A Wells Fargo Visa card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | −$6 | −$6 | −$30 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | −$45 | −$45 | −$225 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | −$180 | −$180 | −$900 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Wells Fargo Reflect ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Wells Fargo Reflect |
|---|---|
| Issuer and network | Wells Fargo, Visa |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | None |
| Earning | 0% on everything else |
| Rewards currency | Cash back |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- 0% intro APR for 21 months from account opening on purchases and on balance transfers requested within 120 days. After that, 17.74%, 24.24% or 28.49% variable (prime 7.00%), from terms correct as of September 2026.
- The BT fee is 5% (min $5) both during and after the intro period. There is no reduced intro BT fee. Cash advance fee is $10 or 5%, and the cash advance APR is 29.74%.
- No rewards program. cashOutCents is 1.0 only because the currency is 'cash'; the earn rate is 0.