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Wells Fargo Reflect Card

The Wells Fargo Reflect® Card comes with a 0% intro APR for 21 months from account opening, a useful feature for consumers who want to pay off credit card debt or finance a big purchase. However, the card doesn’t have many other perks.

All cardholders get 0% intro APR for 21 months from account opening. After the introductory period, there is an 18.24%, 24.74%, or 29.99% variable APR.

  • Issuer NameWells Fargo
  • Credit NeededGood to Excellent
  • Annual Fee$0
  • APR18.24%, 24.74%, or 29.99% Variable APR
  • Penalty APRNone
  • Purchases Intro APR0% intro APR for 21 months from account opening
  • Balance Transfer Fee5%, min: $5
  • Cash Advance FeeRefer to Important Credit Terms
  • Foreign Transaction Fee3%

  • Want to pay for a large purchase over time or transfer debt from another credit card.
  • Want a $0 card with cellphone protection.
  • Aren’t looking for a rewards credit card.

The Wells Fargo Reflect® Card’s most valuable feature is its 0% intro APR for 21 months from account opening, so it’s a good idea to take advantage of that. Be sure to make balance transfers within 120 days of opening your account to get the promotional APR.

While paying off your balance transfer, avoid making new charges so you can prioritize wiping out your balance. Do the math to figure out how much you need to pay each month to eliminate your balance before the introductory period expires.

If you use your Wells Fargo Reflect® Card to pay your monthly cellphone bill, you can get up to $600 twice in a 12-month period to repair or replace a lost, stolen or damaged phone. That’s a great feature for a card with a $0 annual fee.

Editor’s Take

If you’re looking for a card you can use to pay down debt and then earn rewards once you’re debt-free, the Wells Fargo Active Cash® Card may be a better option. It offers a 0% intro APR for 15 months from account opening and you can earn unlimited 2% cash rewards on purchases. The Wells Fargo Active Cash® Card has an intro balance transfer fee of 3% for 120 days from account opening, then up to 5%, min: $5 – compared with the Wells Fargo Reflect® Card’s 5%, min: $5.

Jessica MerrittContributor

The Wells Fargo Reflect® Card doesn’t offer welcome bonuses or rewards, but you can take advantage of the 0% intro APR for 21 months from account opening.

The Wells Fargo Reflect® Card doesn’t have the benefits of a rewards credit card, but you can earn cash back when using your card with participating merchants through My Wells Fargo Deals.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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