Wells Fargo Reflect® Card

Apply for Wells Fargo Reflect® Card Apply now for Wells Fargo Reflect® Card at Wells Fargo's secure site Terms & restrictions apply. See rates & fees

Best for balance transfers

The Wells Fargo Reflect Card comes with one of the longest introductory APR offers we’ve seen. The introductory period can be a great way to finance a large purchase or consolidate your debt.
(Partner Offer)

At a glance

no offer
no offer
None
Refer to Important Credit Terms
17.24%, 23.74%, or 28.99% Variable APR
0% intro APR for 21 months from account opening on qualifying balance transfers
17.24%, 23.74%, or 28.99% Variable APR
0% intro APR for 21 months from account opening
$0
670-850
Excellent, Good
  • 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.

At a glance

no offer
no offer
None
Refer to Important Credit Terms
17.24%, 23.74%, or 28.99% Variable APR
0% intro APR for 21 months from account opening on qualifying balance transfers
17.24%, 23.74%, or 28.99% Variable APR
0% intro APR for 21 months from account opening
$0
670-850
Excellent, Good
  • 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.
Apply now for Wells Fargo Reflect® Card at Wells Fargo's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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3/5

Overview

If you’re anticipating a large purchase or have existing credit card debt, you can leverage the Wells Fargo Reflect’s credit card offer. There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. After the introductory period, you’ll face a variable APR of 17.24%, 23.74%, or 28.99%, depending on your creditworthiness.

Read the full review

Pros

  • No annual fee.
  • Introductory APR offer of 21 months.
  • Cell phone protection.

Cons

  • No points or cash rewards earning potential.
  • No welcome bonus.

Who is this card good for?

This card is a great choice for those who are looking to avoid paying interest through a terrific introductory APR offer.

Earning Rewards

There are no rewards, although this card comes with up to $600 in cell phone protection against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.