Wells Fargo Reflect
Wells Fargo
No Annual Fee
Annual Fee
visaGoodno-annual-fee17 days ago
Welcome Offer
No Welcome Offer
OpenCard analysis
Is the Wells Fargo Reflect right for you?
The Wells Fargo Reflect is a no-annual-fee rewards card from Wells Fargo. It earns a flat 1x on purchases. With no fee, it only needs to beat the flat rate your current card already pays.
Who it's for
- ✓ Anyone who wants flat-rate rewards without paying an annual fee
- ✓ People who want one rate (1x) everywhere without tracking categories
First-year value estimate
Welcome bonus
$0
Rewards on spending
$120
Annual fee (year 1)
−$0
Year 1, before credits
$120
Year two, without the welcome bonus: about $120 before credits ($120 in rewards minus the $0 fee).
Assumptions
- $12,000 a year of purchases at 1x, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.
How it compares
Amex Cash Magnet →
American Express, same $0 annual fee; earns 1.5x on everything.
Capital One VentureOne Rewards →
Capital One, same $0 annual fee; earns 1.25x on everything.
PenFed Gold Visa →
PenFed Credit Union, same $0 annual fee; earns 1x on everything.
Frequently asked questions
- Does the Wells Fargo Reflect have an annual fee?
- No. Our record lists a $0 annual fee for the Wells Fargo Reflect.
- What does the Wells Fargo Reflect earn?
- A flat 1x on purchases.
- Is the Wells Fargo Reflect worth it in the first year?
- Using our illustration ($12,000 of yearly spending), the first year comes out around $120 before credits, including a welcome bonus valued at $0. Year two drops to about $120 before credits.
- What credit do I need for the Wells Fargo Reflect?
- Our record lists "Good" credit as the typical target for the Wells Fargo Reflect. Wells Fargo makes the final decision based on its own criteria.
Earning Rates
1×All Purchases
Insurance
Sources
Last Updated: Oct 2, 2026