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Wells Fargo Reflect® Card
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.
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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.
From the LendingTree editorial team, updated on Jan 22, 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.
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Buy Now, Pay Later Intro Offer
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Intro APR
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