Wells Fargo Reflect® Card
on Wells Fargo's secure site
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Our pick for nearly two years of 0% intro APR on purchases
5%; min: $5
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From the CompareCards.com Editorial Team, updated on May 31, 2023
The Wells Fargo Reflect® Card is an immediate eye-catcher with its headline feature: 0% intro APR 21 months from account opening , then 17.99% - 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
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 Wells Fargo Reflect® Card offers 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.