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Wells Fargo Reflect: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 55.4% across 78 cards. Issuer page ↗

Downsides first

• 3% foreign transaction fee
• APR up to 28.49% if you carry a balance

Terms & fees

• IssuerWells Fargo
• Typebalance transfer
• Annual fee$0 creditcards.wellsfargo.com, 2026-10-11
• Regular purchase APR17.74%–28.49% variable creditcards.wellsfargo.com, 2026-10-11
• RewardsNo rewards program shown creditcards.wellsfargo.com, 2026-10-11
• Sign-up bonus (≈$)$0 No sign-up bonus shown creditcards.wellsfargo.com, 2026-10-11
• Intro APR21 months 0% intro APR 21 months on purchases and qualifying balance transfers creditcards.wellsfargo.com, 2026-10-11
• Foreign transaction fee3% 3% of each transaction converted to U.S. dollars (FAQ + Pricing Addendum) creditcards.wellsfargo.com, 2026-10-11
• Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
• Late feenot found files.consumerfinance.gov, 2025-12-31
• Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
• Cash advance feenot found files.consumerfinance.gov, 2025-12-31
• Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period25 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)16.49%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months22,635
• Trend▲ 25.2% (last 12 mo 22,635 vs prior 12 mo 18,072)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)14.48
• Top issueManaging an account
• Insurance statusFDIC-insured: Wells Fargo Bank, National Association (cert 3511, active; deposits $1,563.5B as of 06/30/2026)

Company-level (WELLS FARGO & COMPANY), all products, as of 2026-10-12. Wells Fargo complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-11). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 0.0/10Base 0% on everything, top category 0% (as of 2026-10-11; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. No rewards program shown
• Sign-up bonus 0.0/10Bonus ≈ $0: No sign-up bonus shown (as of 2026-10-11). Score = value/$75, max 10.
• Intro 0% APR 10/100% intro APR 21 months on purchases and qualifying balance transfers (as of 2026-10-11). Score = months/21×10.
• Regular APR 7.8/1017.74%–28.49% variable (as of 2026-10-11); midpoint 23.11%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 3.0/103% foreign transaction fee (as of 2026-10-11).
• Regulatory record (CFPB) 8.0/10Issuer Wells Fargo: Base 10, −2 CFPB 2022-12

0.143×10.0 + 0.143×0.0 + 0.143×0.0 + 0.143×10 + 0.143×7.8 + 0.143×3.0 + 0.143×8.0 = 5.54 → 55.4%

Is Wells Fargo Reflect worth it? (break-even math) →Value for my spending →

Compare with

Wells Fargo Reflect vs Citi Simplicity · Wells Fargo Reflect vs U.S. Bank Shield Visa · Wells Fargo Reflect vs Citi Diamond Preferred · Wells Fargo Reflect vs BankAmericard · Wells Fargo Reflect vs Navy Federal Platinum

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Wells Fargo Reflect annual fee?

$0

What is the Wells Fargo Reflect APR?

17.74%–28.49% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.