Financing test

Wells Fargo Reflect

No annual fee · terms checked Oct 6, 2026

Wallet Score

80/100

Cost45 / 60

Late rules5 / 10

Payoff room20 / 20

Setup10 / 10

Fits: A fixed payoff plan fits the promotional period and available approved limit.

Mind: Financing-only score; approval, transfer capacity and future personal APR are not predicted.

Financing test · method julia_wallet_score/3 · scored Oct 6, 2026 · how the Wallet Score works

The terms the test used

Months of 0% on purchases21

Months of 0% on balance transfers21

Balance transfer fee (%)5

Balance transfer fee, minimum ($)5

Days to make the transfer120

Largest late fee ($)40

Penalty APR appliesNo

Sources and dates

The issuer’s own pages, read Oct 6, 2026. Terms change; the editorial policy says how often they are re-checked.