Wells Fargo · Cash back · Visa
Wells Fargo Reflect: what it's really worth
The Wells Fargo Reflect has a no annual fee. For a typical household spending $2,070 a month, it's worth about $0 in year one and $0 each year after.
Annual fee$0
Sign-up bonusNone
Net value · year 1$0
Net value · each year after$0
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | — | 0.0¢ | $0 |
| Groceries | — | 0.0¢ | $0 |
| Hotels | — | 0.0¢ | $0 |
| Flights | — | 0.0¢ | $0 |
| Gas | — | 0.0¢ | $0 |
| Streaming | — | 0.0¢ | $0 |
| Everything else | — | 0.0¢ | $0 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900.
Credits and perks
- Cell phone protection
- Foreign transaction fee: 3%
Who it's for
- The longest 0% intro APR — 21 months on purchases and balance transfers
- Not ideal: Earning rewards — it has none
Can I get it?
- Recommended credit: Good
- Wells Fargo rules: Bonus and intro APR may be withheld if you opened another Wells Fargo card in the last 6 months.
- Visa: Accepted almost everywhere, including Costco warehouses (Visa only).
Check the current offer at Wells Fargo
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Updated Oct 30, 2026.