No, the Wells Fargo Reflect® card has no annual fee. It is a great option for those looking for a credit card with no additional annual costs.

A good to excellent credit score can increase your chances of approval for the Wells Fargo Reflect® card. According to Wells Fargo, applicants with a FICO score of 670 or higher or VantageScore of 661 or higher may have the best chance of being approved for the card.

Wells Fargo Reflect® reports credit information to the three major credit bureaus in the United States – Experian, Equifax, and TransUnion. This means that your Wells Fargo Reflect® credit card payment information will be reported to the credit bureaus, which can affect your credit score and your ability to obtain credit in the future. Generally, most credit card issuers send credit information to the credit bureaus on a monthly basis, along with a statement of account for customers.