Our illustration, not the card’s design
Wells Fargo credit card
Reflect Visa® Credit Card With 0% Intro APR
No annual fee. Purchase APR 17.74–28.49%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · wellsfargo.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · wellsfargo.com
“17.74%, 24.24% or 28.49% variable APR thereafter.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · wellsfargo.com
“There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars.”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 100% of the 50 cards on our 0% intro APR list (see the list).
- Lower top APR than about 25% of the 651 cards we track.
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).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
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.
All 8 benefits
- Cell phone: $600 per approved claim
- Roadside
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · wellsfargo.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · wellsfargo.com “17.74%, 24.24% or 28.49% variable APR thereafter.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · wellsfargo.com “2026 Best 0% Intro APR and” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · wellsfargo.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · wellsfargo.com “5% for each balance transfer, with a minimum of $5 .” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · wellsfargo.com “29.74%” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · wellsfargo.com “Either $10 or 5% of the amount of each advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · wellsfargo.com “Up to $40” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · wellsfargo.com “There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · wellsfargo.com “Subject to a $25 deductible.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · wellsfargo.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · wellsfargo.com, since Oct 8, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each transaction converted to U.S. dollars. · wellsfargo.com, since Oct 21, 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 from date of account opening. · wellsfargo.com, since Sep 29, 2026