The Wells Fargo Reflect is a personal credit card from Wells Fargo Reflect. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.24% – 28.99% variable after a 0% introductory rate for 21 months. Approval typically requires a credit score of 760 or higher. Rewards: None (focus is solely on the extended 0% APR). This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Wells Fargo enforces a 6-month rule (no new Wells Fargo card approvals within 6 months of your last Wells Fargo card opening). Wells Fargo pulls Experian as the primary bureau in most states.. Ideal for long-term debt payoff or covering big-ticket purchases with extended time to repay without interest. Wells Fargo Active Cash Card. BT Fee: 5% of each transfer (minimum $5). Post-intro APR: 17.24% – 28.99% variable