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Wells Fargo Reflect Card

Wells Fargo Bank, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
16.49–28.24%
Annual fee
None
0% intro
22 mo
0% transfer
22 mo
Foreign fee
3%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
28.24%
620–719
28.24%
720+
23.99%
Lowest offered16.49%
Median28.24%
Highest offered28.24%

Introductory purchase APR

Promotional window: 22 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 22 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.49%
Median29.49%
Highest offered29.49%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases

Late fee policy: The fee will be either $29 or the amount of your Minimum Payment, whichever is lower. For any other late payment within a rolling six billing cycle period, the late fee will be either $40 or the amount of your Minimum Payment, whichever is lower.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-642-4720
Balance transfer calculator
Stay put — 22 mo at 24%$1,100
Transfer feenot reported
Promo interest at 0.00%$0
Net savingunknown

This issuer reports that a transfer fee applies but did not report the amount, so the net saving cannot be calculated. Assumes you pay the balance down evenly across the 22-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 28.24% afterwards.

Cost to carry a balance
Interest for a year at 28.24%$847.20
Annual / periodic fees$0
Total yearly cost$847.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

28 documents filed by Wells Fargo Bank, National Association in the 2026 Q1 archive.

All 28 agreements

More from this issuer