Wells Fargo Reflect®
Issued by Wells Fargo
Rates verified July 2026
Welcome Bonus
No welcome bonus
Rewards Rate
1x points on all purchases
Annual Fee
No annual fee
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1x points on all purchases
Welcome Offer
No welcome bonus
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
3%
Recommended For
Everyday spending
Why We Recommend This Card
No annual fee — keep more of what you earn
Booking.com
Cellular Telephone Protection
Cellular Telephone Protection
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Network benefits (Visa) — 6 standard protections
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
OpenTable
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Roadside Dispatch®
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information.
Roadside Dispatch®
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Direct to the Issuer
The Apply button takes you to Wells Fargo's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information