The Wells Fargo Reflect Good Credit 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 17.49%, 23.99% or 28.24% after a 0% introductory rate for 21 months. Approval typically requires a credit score of 670 or higher. Typical credit limit: $1,000 - $25,000. 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.. 21 months 0% APR on purchases and qualifying balance transfers. Can extend to 24 months with on-time minimum payments. No annual fee. Cell phone protection included.