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Wells Fargo Reflect Card

The Wells Fargo Reflect Card has no annual fee and charges 3% on each transaction converted to U.S. dollars ⁠2. Wells Fargo's product page, terms and Guide to Benefits describe no rewards earning for it, and the guide lists cell phone protection of up to $600 per claim, an auto rental collision damage waiver and pay-per-use Roadside Dispatch ⁠2⁠3.

Compiled from official sources Checked against Wells Fargo’s terms Last reviewed How we research
Contents9 sections

At a glance

Annual fee$0⁠2
Foreign transaction fee3% Of each transaction converted to U.S. dollars⁠2
RewardsThe issuer's product page, Important Credit Terms and Guide to Benefits describe no rewards program or earning rates for this card.
NetworkVisa
IssuerWells Fargo · Official card page

What to know about the Reflect

Reflect's cell phone protection requires that the monthly wireless bill must be charged to the card, and coverage runs from the first day of the calendar month after that charge posts ⁠3. A claim pays up to $600 less a $25 deductible, and no more than 2 claims or $1,200 are paid in a 12-month period ⁠3. Phones that disappear without evidence of theft, screens that are cracked but still work, and tablets or smartwatches are excluded, and the guide says the coverage is supplemental to and excess of other valid insurance ⁠3.

The auto rental collision damage waiver appears in the Guide to Benefits even though the product page's benefit list leaves it out ⁠3⁠1. It reimburses up to $50,000 for damage or theft when the entire rental is paid with the card and the rental company's collision coverage is declined, and it is secondary in the United States but primary outside it ⁠3. It covers rentals of up to 15 consecutive days in the U.S. and 31 elsewhere, and it is not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland ⁠3.

Roadside Dispatch connects cardholders with towing, jump starts, lockout help and fuel delivery at a set price per call that the cardholder pays ⁠3. Other listed features are Zero Liability Protection for promptly reported unauthorized transactions, monthly FICO Score updates through Credit Close-Up for enrolled Wells Fargo Online customers, and merchant cash-back offers through My Wells Fargo Deals that must be activated before use ⁠1.

Travel insurance and assistance

Rental car coverageAuto Rental Collision Damage Waiver: up to $50,000 for damage or theft of the rental car. Secondary in the United States; primary outside the United States. Must pay the entire rental with the card and decline the rental company's collision loss/damage insurance. Rentals up to 15 consecutive days in the U.S. and 31 consecutive days outside the U.S.; not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland.⁠3
Roadside assistanceRoadside Dispatch: pay-per-use roadside assistance (towing up to 5 miles included in the service call, tire change, jump start, lockout, fuel delivery up to 5 gallons plus fuel cost, winching) at a pre-negotiated price per service call. Costs are paid by the cardholder; no membership or enrollment required.⁠3

Purchase and phone protection

Cell phone protectionUp to $600 per claim for damage, theft or involuntary and accidental parting of a cell phone; maximum 2 paid claims and $1,200 per 12-month period; $25 deductible per claim. Must pay the monthly wireless bill with the card. Lost (mysteriously disappeared) phones, cracked screens/cosmetic damage not affecting function are not covered. Coverage is supplemental to and excess of valid and collectible insurance or indemnity.⁠3

Account features

Zero fraud liabilityZero Liability Protection: not held responsible for promptly reported unauthorized transactions, subject to certain conditions.⁠1
Free credit scoreCredit Close-Up: monthly FICO Score updates and personalized credit insights, complimentary to Wells Fargo Online customers who enroll.⁠1

Other perks

Emergency Cash Disbursement and Card ReplacementEmergency cash advance or card replacement within one to three business days (in some cases within 24 hours) after issuer approval, via Visa Global Customer Care Services; cash advance fees and interest apply.⁠3
My Wells Fargo DealsActivate personalized merchant deals and earn cash back as an account credit when paying with an eligible Wells Fargo credit card; credit appears within 60 days of the qualifying transaction.⁠1

Not listed for this card

The Wells Fargo pages and benefit terms we checked for the Reflect do not list these benefits:

Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.

Sources

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