Wells Fargo Reflect Card
Wells Fargo · Cashback · Statement Credit
This comprehensive guide covers the Wells Fargo Reflect Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Wells Fargo Reflect Card from Wells Fargo offers cashback rewards credited directly to your statement at 1%. This card has no annual fee.
Best for: General Online, Electronics Accessories, Grocery, Dining
Reward Examples
Spend $1,000 on General online → earn $10 (1%) · 1% cash back on every purchase
Official product page → Official rules →
Annual fee: $0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 1% 1% cash back on every purchase
Important Notes
- Primarily a 0% introductory APR card — 21 months on purchases and qualifying balance transfers.
- Rewards are secondary; card is best known for longest intro APR period on the market.
- Up to $600 cellphone protection included (when paying phone bill with the card).
- My Wells Fargo Deals offers additional statement credits at select merchants.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Wells Fargo Reflect Card vs Similar Cards
- Alliant Cashback Visa® Signature Card — 3% top rate · $0
- Alliant Platinum Visa® Card — 2% top rate · $0
- Blue Cash Everyday Card from American Express — 3% top rate · $0
Maximize Your Rewards
To earn the highest rewards, use the Wells Fargo Reflect Card for its bonus categories: General Online, Electronics Accessories, Grocery, Dining, Travel.