Wells Fargo Reflect Card

Wells Fargo · US

Sign-up bonus

—

Annual fee

Purchase APR

17.49–28.24% (varies by applicant)

Cash advance APR

29.49%

Intro purchase APR

0% for 21 months

Intro balance-transfer APR

0% for 21 months

Rate formula

Prime 6.75% + 10.74–21.49%

FX markup

Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-08-23

Disclosure documents

Tracked since 2026-07-22 (7 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.