Wells Fargo Reflect: worth a spot in your wallet?
The honest math on the Wells Fargo Reflect Card: what earning no rewards costs against 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.
Recent changes to this card's data
2026-08-31 — Wells Fargo Reflect Card
- Verified accurate — no benefit changes. Fee, the card's no-rewards structure, cell phone protection, and rental coverage re-confirmed against wellsfargo.com.
- Application link updated — Wells Fargo moved the card's page to a new address and the old one went dead.
2026-08-21 — Chase Slate Edge (new card)
- Added new card
chase-slate-edge. $0 annual fee, Visa (Visa Platinum), no rewards program of any kind — shown honestly as 0x on everything, not rounded up to an implied 1%. Source: https://creditcards.chase.com/credit-building-credit-cards/edge - Benefits added: 6-month complimentary DashPass membership (~$60 value, ends 2027-12-31), the linked $10/quarter DoorDash non-restaurant promo credit (stacking with other cards' DoorDash promos, ends 2027-12-31), Purchase Protection ($500/item, $50,000/account, 120 days / 90 for NY), Extended Warranty (+1 year on warranties ≤3 years, $10,000/item, $50,000/account), and secondary Auto Rental CDW ($60,000 max, ≤31 days, primary outside the US). DashPass and DoorDash-promo terms/values mirror the identical offer already on
chase-freedom-unlimited.json / chase-freedom-flex.json — Chase's own terms explicitly cover "Chase Slate or Slate Edge" DashPass together. Sources: https://creditcards.chase.com/credit-building-credit-cards/edge , https://static.chasecdn.com/content/services/structured-document/document.en.pdf/card/benefits-center/product-benefits-guide-pdf/BGC11367_v2.pdf - Omitted as not independently monetizable (same convention as
wells-fargo-reflect.json): pay-per-use Roadside Assistance (confirmed via the Guide to Benefits PDF as a pay-per-use dispatch program, no membership discount), Zero Liability Protection, 24/7 Fraud Monitoring, Embedded Chip, Spend Instantly, Chase Offers, Chase Pay Over Time. 3% foreign transaction fee confirmed, so no no-FTF benefit listed. Source: https://sites.chase.com/services/creatives/pricingandterms.html/content/dam/pricingandterms/LGC64148.html - Chase Credit Journey (free credit score/monitoring) and the automatic 6-month credit-line-increase review are the card's headline differentiators but aren't dollar-priceable — described on the card page instead of counted.
- Two claims checked, neither adopted: Chase's 2020 launch materials describe an automatic annual APR reduction that no current Chase page mentions (and this calculator doesn't model APR anyway); and one review says the card stopped taking applicants in February 2026, but chase.com's live page still has a working application — the card is listed as generally available, since the issuer's own page wins. Sources: https://media.chase.com/news/chase-introduces-slate-edge-a-no-annual-fee-credit-card , https://www.bankrate.com/credit-cards/reviews/chase-slate-edge/
2026-08-21 — Wells Fargo Autograph Card (new card)
- Added new card
wells-fargo-autograph. $0 annual fee, Visa, earning Wells Fargo Rewards points. Source: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/?lang=en - Earning: unlimited 3x on six bonus categories (Food/Drink, Travel, Fuel/EV Charging, Telecommunication, Transport, Entertainment), 1x on everything else, no bonus-category caps found. Wells Fargo's broad Travel + Transport categories are split across the app's travel buckets, and each rate carries its category exclusions (no third-party delivery apps for dining, no bundled/third-party-billed streaming, no phone accessories/insurance, no superstore/grocery/warehouse gas). Source: https://www.wellsfargo.com/credit-cards/autograph-visa/terms/?lang=en
- Point values: cash/statement-credit/gift-card/travel-portal floor at 1.0 cents/point (default), airline transfer partners at 1.3 cents/point — deliberately lower than the ~1.7-2.0¢ used for Amex/Capital One, since this card's partner list is thinner. Partner list (1:1 to Aer Lingus, Air France-KLM Flying Blue, Avianca, British Airways, Cathay Pacific, Iberia, JetBlue, Virgin Atlantic, Virgin Red; 1:2 to Choice Privileges and Wyndham Rewards) is secondary-confirmed only — Wells Fargo's own page names no partners. Source: https://awardwallet.com/credit-cards/wells-fargo-rewards/wells-fargo-autograph/
- Coverage: no foreign transaction fees (a real differentiator from the sibling Active Cash and Reflect cards, which both charge 3%), cell phone protection ($600/claim, $25 deductible, 2 claims/$1,200 per 12 months), and secondary auto rental CDW (up to $50,000, 15 days US / 31 days international) — the latter two numerically identical to
wells-fargo-active-cash.json and wells-fargo-reflect.json. Source: https://www.wellsfargo.com/credit-cards/autograph-visa/guide-to-benefits/?lang=en - No purchase protection, extended warranty, trip delay, or trip cancellation/interruption coverage — confirmed absent from the Guide to Benefits, not omitted for lack of finding it. Source: https://www.wellsfargo.com/credit-cards/autograph-visa/guide-to-benefits/?lang=en
- Omitted as non-monetizable / not modeled elsewhere in this dataset (same convention as the sibling Wells Fargo cards): pay-per-use Roadside Dispatch, Travel and Emergency Assistance Services, Emergency Cash Disbursement & Card Replacement, My Wells Fargo Deals, Visa zero liability, Credit Close-Up FICO monitoring, Visa Signature Concierge, and the Visa Signature Luxury Hotel Collection.
- Sign-up bonus (20,000 points after $1,000 spend in 3 months) intentionally excluded — out of scope for this calculator's ongoing-value model.
Card data verified against Wells Fargo on 2026-08-31.
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