Wells Fargo Bank

Wells Fargo Bank Wells Fargo Reflect® Card

Credit Card · USDOther

Add to comparison

Key comparison facts

Annual fee

US$0

Promotional rate

Pricing Information Named card: Wells Fargo Reflect Visa SM Credit Card Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 0% introductory APR for 21 months from date of account opening. After that, your APR will be 17.74%, 24.24%, or 28.49% , based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. Annual Percentage Rate (APR) for Balance Transfers 0% introductory APR for 21 months from date of account opening. After that, your APR will be 17.74%, 24.24%, or 28.49% , based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. Balance Transfers are subject to eligibility. APR for Cash Advances and Overdraft Protection Advances 29.74% This APR will vary with the market based on the U.S. Prime Rate. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. Fees Annual Fee None Transaction Fees • Balance Transfers 5% for each balance transfer, with a minimum of $5 . • Cash Advances Either $10 or 5% of the amount of each advance, whichever is greater. • Foreign Currency Conversion/ Foreign Transaction 3% of each transaction converted to U.S. dollars. Penalty Fees • Late Payment Up to $40 How we will calculate your balance We use a method called "average daily balance (including new purchases)". We will begin charging interest on cash advances and balance transfers on the transaction date. Important Information About Balance Transfer(s) Balance transfers are contingent on approval of your account. You cannot transfer a balance from any account issued by Wells Fargo or any of its affiliates. The total amount of your balance transfer request(s), including fees, cannot exceed your available credit. If your request(s) exceed your available credit, we may send less than the amount requested, or no amount, to your creditor. It will take about two weeks to complete the processing of your balance transfer request(s). If you decide to cancel a balance transfer request, please contact us at 1-800-642-4720 immediately and prior to confirming your card. Balance transfers do not earn rewards. Please note: Information about the credit card Account’s interest rates, interest charges, and fees is correct as of September 2026. This information may have changed after that date. To learn of any changes, call 1-800-642-4720. Will you qualify if you have or have had more than one Wells Fargo Credit Card account? You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 4 months. Eligibility for introductory rates, fees and/or rewards bonus offers. You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the Wells Fargo Reflect Visa ® or opened one within the last 48 months from the date of this application - even if that account is closed and has a $0 balance. How do we calculate your variable APRs? A variable APR is an interest rate that varies with the market based on the U.S. Prime Rate. To calculate your variable APR for each billing period, we use the U.S. Prime Rate and add a margin. How We Determine the U.S. Prime Rate Each billing period, we use the U.S. Prime Rate that The Wall Street Journal publishes in its Money Rates section three business days before your billing statement’s closing date. When more than one U.S. Prime Rate exists, we use an average. If the U.S. Prime Rate is not published or available (temporarily or permanently), we use a substitute index that we believe is similar to the U.S. Prime Rate. We do so at our sole discretion. As of 10/10/2026, the U.S. Prime Rate is 7.00%. How We Calculate Your Variable APR We use the following margins: For purchases and balance transfers: We add either 10.74%, 17.24%, or 21.49% to the U.S. Prime Rate. Your creditworthiness determines the percentage we use. The Maximum APR is 29.99%. For cash advances and overdraft protection advances: We add 22.74% to the U.S. Prime Rate. The Maximum APR is 29.99%. We reserve the right to change terms, APRs, and fees at our discretion by following your Agreement and as allowed by applicable law. Please note: You may not qualify for the lowest APR described. We review your credit report, information provided in your application, and other available relevant information to determine your APRs.