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, is perfect 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.
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
Good/ExcellentHighlights
- 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
3%
5%, min $5
Yes
No
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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 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.
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.
Related Card Offers
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 17.24% - 28.24% Variable APR.
Rewards Rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time.
Sign-Up Bonus
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.
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on Wells Fargo's secure site
Welcome Offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open.
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on Citibank's secure site
Intro Purchase APR
0% intro APR for 12 months on Purchases
Intro BT APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
19.24% - 29.99% (Variable)
See Our Review