Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

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

Apply Now

on Wells Fargo's secure site

Wells Fargo Reflect® Card

Apply Now

on Wells Fargo's secure site

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, is perfect for you.

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Rated 4/5.0 stars by our editorial team

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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.

Wells Fargo Reflect® Card

  Apply Now
Wells Fargo Reflect<sup>®</sup> Card
Apply Now

on Wells Fargo's secure site

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Wells Fargo Reflect® Card

WELCOME OFFER

N/A

REWARDS RATE

None

Regular 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

Card Brand

Visa®

Recommended Credit Score

Excellent/Good

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.

Additional Info

Foreign Transaction Fee

3%

Balance Transfer Fee

5%, min $5

Cash Advance Fee

Refer to Important Credit Terms

$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

See your approval odds before you apply
There's no impact to your credit

Expert Review

Editor's Overall Rating

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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.

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Features

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

From the LendingTree editorial team, updated on Dec 04, 2023

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.

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.

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.


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.

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