{"card":{"slug":"wells-fargo-reflect","name":"Wells Fargo Reflect Card","issuer":"wells-fargo","currency":"No Rewards"},"status":"recent","lastVerified":"2026-11-09","officialSource":"https://creditcards.wellsfargo.com/reflect-visa-credit-card/","history":[{"date":"2022-01","bonus":0,"spend":0,"months":0,"note":"No welcome offer, intro APR has ranged 18 to 21 months"},{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"No welcome offer"},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":0,"spend":0,"months":0,"note":"No welcome offer; 21-month 0% intro APR confirmed","sourceUrl":"https://creditcards.wellsfargo.com/reflect-visa-credit-card/","sourceLabel":"Wells Fargo Reflect product page"},{"date":"2026-11-09","observedOn":"2026-11-09","bonus":0,"spend":0,"months":0,"note":"Freshness-rotation reconfirmation: Experian, NerdWallet and Motley Fool's 2026 listings still show the 21-month 0% intro APR on purchases and qualifying balance transfers, a 5% balance transfer fee and a 3% foreign transaction fee, with no welcome bonus. No change. The bank's own domain is blocked in this sandbox.","sourceLabel":"Experian, NerdWallet and Motley Fool Wells Fargo Reflect listings, checked November 9, 2026"}],"verificationEvents":[{"id":"52583689-b4ad-4e25-856a-1df1b2e06075","entityType":"card","slug":"wells-fargo-reflect","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T12:35:46.194Z","sourceUrl":"https://creditcards.wellsfargo.com/reflect-visa-credit-card/","sourceLabel":"Wells Fargo Reflect product page","outcome":"confirmed","summary":"21-month 0% intro APR, $0 fee, cell phone protection $600 confirmed; 3% FX and 5% BT fee per terms","changedFields":["applyUrl"],"previousHash":"e44cfb79930cb6e6d4cc93c7d11081c328933eccb6fc2fed0088e4ab80ac2937","recordHash":"0558e80a4fe829445d5bf911d38cbd04b34233aa43014531cd869483794c006a"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}