Rated 4/5.0 stars by our editorial team
Click the stars to submit your rating.
Rating already submitted!
Thanks for rating!
4/5.0 from 0 Offer Ratings
Over the Past 60 Days!
Wells Fargo Reflect® Card
BEST FOR: Our pick for nearly two years of 0% intro APR on purchases
Wells Fargo Reflect® Card Review
If you need as much breathing room as possible, the Wells Fargo Reflect® Card, an industry-leading low interest card, may be right for you.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Wells Fargo Reflect® Card
WELCOME OFFER
N/A
REWARDS RATE
None
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Intro Purchase APR
0% intro APR for 21 months from account opening
Intro BT APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- Apply Now to take advantage of this 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. 17.24%, 23.74%, or 28.99% 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.
Additional Info
Foreign Transaction Fee
3%
Balance Transfer Fee
5%, min: $5
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for nearly two years of 0% intro APR on purchases
From the LendingTree editorial team, updated on May 02, 2025
The Wells Fargo Reflect® Card is an immediate eye-catcher with its headline feature: 0% intro APR for 21 months from account opening , then 17.24%, 23.74%, or 28.99% Variable APR on both purchases and qualifying balance transfers all wrapped up in a $0-annual fee package.
The Good
- The Wells Fargo Reflect® Card offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.24%, 23.74%, or 28.99% Variable APR– that’s about as good as you’re going to find out on the market today.
The Not So Good
- 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.
The Bottom Line
If you need as much breathing room as possible, the Wells Fargo Reflect® Card, an industry-leading low interest card, may be right for you.
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.
Related Card Offers
Apply Now
on Bank of America's secure site
Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
See Our Review
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
Apply Now
on Discover's secure site
Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
18.24% - 27.24% Variable APR
See Our Review