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The Wells Fargo Reflect® Card (Rates & Fees) is a competitive option that offers a generous intro low-APR period for new purchases and qualifying balance transfers. You can also benefit from helpful perks, including cellphone protection and cash back deals. Read on to see why this card might be a good fit for you.
Wells Fargo Reflect® Card
APR
18.24%, 24.74%, or 29.99% Variable APR
Intro APR
Rewards
None
Intro Bonus
N/A
Annual Fee
$0
Card Details
- 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.
| Pros | Cons |
|---|---|
| Low intro APR for purchases and qualifying balance transfers | Foreign transaction fee |
| No annual fee | No rewards program |
| Wells Fargo Card Services 800-642-4720 P.O. Box 51193 Los Angeles, CA 90051-5493 |
Experian Review
The Wells Fargo Reflect® Card offers competitive intro APR periods for new purchases and eligible balance transfers. While this card doesn't offer any rewards, you can save money on interest charges through the special financing offer.
No Annual Fee and Lengthy Intro APR
With this no annual fee card, you can finance new purchases and qualifying balance transfers without interest for up to 21 months from account opening. After the intro period ends, there's a variable APR of 18.24% to 29.99%. The intro 0% APR period initially lasts 21 months from account opening, but can be extended by 3 months as long as you continue to make on-time payments for at least the minimum amount due.
The payments you make during the introductory zero-interest period will go entirely toward the principal balance you have, which allows you to pay off debt faster.
Balance transfers made within 120 days of the account opening date qualify for the intro balance transfer fee of 5% ($5 minimum). After that, it increases up to 5% ($5 minimum). While this fee may seem like a lot, it can be worthwhile for the amount of money you can save if you pay off the debt during the intro APR period.
Cellphone Protection and Wells Fargo Deals
In addition to a helpful special financing offer, you can benefit from cellphone protection and a way to earn cash back—even though there's no rewards program.
- Cellphone protection: Receive up to $600 worth of cellphone protection against damage or theft when you pay your monthly cellphone bill with this card. Coverage is limited to eligible expenses resulting from a stolen or damaged phone and subject to a $25 deductible per claim. You can submit a maximum of two claims per 12-month period.
- My Wells Fargo Deals: An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.
Authorized-User Policy
You can add authorized users to your Wells Fargo Reflect® Card online. While you won't have to pay a fee to add an authorized user, you'll be responsible for paying off any charges they make to the account.
Is This Card Right for You?
If you're looking for an intro APR card or a balance transfer credit card, the Wells Fargo Reflect® Card can be a great addition to your wallet. By making on-time monthly payments, you can extend the intro APR from 21 months from account opening to 21 months and get even more time to pay off your balance. The ongoing APR after the introductory period is 18.24%, 24.74%, or 29.99% Variable APR. This card doesn't offer rewards, but you'll be able to activate and earn cash back through My Wells Fargo Deals.
If you're looking for a traditional rewards card, consider the Wells Fargo Active Cash® Card (Rates & Fees). With this card, you can benefit from unlimited 2% cash back on purchases. It also offers special financing, though it's a shorter intro 0% APR for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable APR). Balance transfers must be made within 120 days of account opening to qualify for the intro APR rate and intro balance transfer fee of 3% (minimum $5). After that, the fee goes up to an ongoing balance transfer fee of 5% (minimum $5).