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Wells Fargo Reflect® Card

Wells Fargo Reflect® Card


Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 80 Offer Ratings
Over the Past 60 Days!

(80) Over the Past 60 Days!

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  • Regular Purchase APR 16.74% - 28.74% variable APR
  • Intro Purchase APR 0% intro APR up to 21 months from account opening
  • Intro BT APR 0% intro APR up to 21 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • See Rates & Fees

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% for 120 days from account opening, then up to 5%; min: $5

Cash Advance Fee Refer to Important Credit Terms

Penalty APR None

Ongoing Information

Rewards Rate None

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The Wells Fargo Reflect® Card is an immediate eye-catcher with its headline feature: up to 21 months of 0% intro APR on both purchases and balance transfers all wrapped up in a $0-annual fee package. At first blush that’s an incredible offering: almost 2 years of no interest payments if you’ve got a big purchase on the horizon or if you’re transferring a balance from a high-interest credit card places this card squarely at the top of the 0% intro APR heap.

That debt-busting power comes with a few caveats however, namely that you’ll have to earn it. For both purchases and qualifying balance transfers, the 0% intro APR period starts at 18 months with an ongoing 16.74% - 28.74% variable APR after that introductory period is up. If you consistently make all your minimum monthly payments on the card on time, Wells can grant you an additional 3 months, getting you up to that 21-month sweet spot.

While that may sound like it puts a big asterisk next to this card’s name on our list, it’s actually a feature we really love. Unlike a lot of other upmarket cards, the Wells Fargo Reflect® Card rewards you for the thing you should already be doing – paying your minimum monthly credit card payments on time. Couple that with the aforementioned $0 annual fee and the usual suite of Wells Fargo card benefits (like access to the My Wells Fargo Deals program to earn cash back in the form of a statement credit on your everyday purchases) and you have a card that’s an incredibly potent tool to help you get out of credit card debt.

Expert Reviews of the Wells Fargo Reflect® Card

  • 4.0

    Regular APR

  • 5.0

    Intro APR

  • 4.5


  • 3.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

If you need as much breathing room as possible to get out of debt, the Wells Fargo Reflect® Card is perfect for you. Not only are you getting an industry-leading low interest card, but you’re also incentivized to build good credit habits.

The Good

The Wells Fargo Reflect® Card has the potential to get you up to 21 months of 0% intro APR on purchases and qualifying balance transfers – that’s about as good as you’re going to find out on the market today.

The Not so Good

Cardholders will have to maintain consistent on-time payments to get the full benefit from this card. And beyond the (admittedly exceptional) 0% intro APR programs, this card doesn’t have a whole lot else on offer, like a top-shelf rewards program or welcome offer.

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Wells Fargo.

Consumer Reviews

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