Reflect Visa® Credit Card With 0% Intro APR
No annual fee. Purchase APR 17.74–28.49%, variable.
- Annual fee
- Issuer's pagewellsfargo.com
“$0 Annual Fee”
- Purchase APR
- Issuer's pagewellsfargo.com
“17.74%, 24.24% or 28.49% variable APR thereafter.”
- Foreign transaction fee
- Issuer's pagewellsfargo.com
“There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars.”
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What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Lower top APR than about 30% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$0 Annual Fee” |
|---|---|
| Purchase APR | Issuer's pagewellsfargo.com “17.74%, 24.24% or 28.49% variable APR thereafter.” |
| Intro APR | Issuer's pagewellsfargo.com “2026 Best 0% Intro APR and” |
| Balance transfer APR | Issuer's pagewellsfargo.com “0% intro APR for 21 months on purchases and qualifying balance transfers” |
| Foreign transactions | Issuer's pagewellsfargo.com “There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars.” |
Carrying a balance? See how long it takes to pay off
Benefits
- Cellular Telephone Protection: up to $600 of cell phone protection against damage or theft, subject to a $25 deductible.
- Roadside Dispatch® is available 24/7 for eligible Wells Fargo cardholders with no membership required. Current fees for a standard service call are confirmed when service is requested; cardholders pay mileage over five miles. Service may not be available in all areas.
- My Wells Fargo Deals provides personalized merchant deals. Deals must be activated and qualifying purchases must be made directly with the participating merchant by the expiration date. Cash-back transactions appear as an account credit within 60 days of the qualifying transaction posting.
- Zero Liability Protection for promptly reported unauthorized transactions, subject to conditions.
- Credit Close-Up® provides monthly FICO® Score updates and personalized credit insights to eligible Wells Fargo Online® customers at no charge.
- Cell phone: $600 per approved claim
- Roadside
Questions
- What is the annual fee?
- $0 wellsfargo.com, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. wellsfargo.com, since Oct 4, 2026
- What is the purchase APR?
- 17.74–28.49% APR wellsfargo.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 21 months. wellsfargo.com, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).