Wells Fargo Reflect® Card | CompareCards.com

Wells Fargo Reflect® Card

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Our pick for nearly two years of 0% intro APR on purchases

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Wells Fargo Reflect® Card

 

Rated 4/5.0 stars by our editorial team

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Rates & Fees
  • Regular Purchase APR 18.24%, 24.74%, or 29.99% Variable APR
  • Intro Purchase APR 0% intro APR 21 months from account opening
  • Intro BT APR 0% intro APR for 21 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®
  • Regular Purchase APR 18.24%, 24.74%, or 29.99% Variable APR
  • Intro Purchase APR 0% intro APR 21 months from account opening
  • Intro BT APR 0% intro APR for 21 months from account opening on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed Good/Excellent
  • Card Brand Visa®

Highlights

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. 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.
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Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

5%, min $5

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 CompareCards.com Editorial Team, updated on Apr 03, 2024

The Wells Fargo Reflect® Card is an immediate eye-catcher with its headline feature: 0% intro APR 21 months from account opening , then 18.24%, 24.74%, or 29.99% Variable APR on both purchases and qualifying balance transfers all wrapped up in a $0-annual fee package. 

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

    Fees

  • 3.0

    Benefits

  • 4.0/5

    Overall Rating

The Bottom Line

If you need as much breathing room as possible, the Wells Fargo Reflect® Card, an industry-leading low interest card, is perfect for you.

The Good

The Wells Fargo Reflect® Card offers 0% intro APR 21 months from account opening on purchases and qualifying balance transfers, then 18.24%, 24.74%, or 29.99% Variable APR– 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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YOUR RATING

 

Rated 4/5.0 stars by our editorial team

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4/5.0 from 0 Offer Ratings
Over the Past 60 Days!

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