Is the Wells Fargo Reflect Card worth a spot in your wallet?
The honest math on the Wells Fargo Reflect Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Wells Fargo · No annual fee (This card's real draw is a 21-month 0% intro APR on purchases and qualifying balance transfers (made within 120 days) — debt-payoff math the sign-up-bonus-style promotions this calculator intentionally leaves out of annualValue. Judge it here only on its ongoing rewards and coverage, which are minimal.) · cash back
Earning rates
Protections and perks (2)
- Cell Phone Protection — Up to $600 per claim for damage or theft when you pay your monthly cell phone bill with the card ($25 deductible).
- Auto Rental Collision Damage Waiver — Collision/theft coverage on rentals paid with the card, up to $50,000 — secondary to your personal auto policy in the US, primary outside the US.
Card data verified against Wells Fargo on 2026-08-20.
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