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Wells Fargo Reflect® Card
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On Wells Fargo's secure site
Intro APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
Regular APR
15.99% - 27.99% variable APR
Extra Perks
$0 annual fee and up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible)
Card Network
Annual Fee
$0
Credit Score Needed
Excellent, Good
Offer Details
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 15.99% to 27.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.

  • $0 Annual Fee

  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (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.

  • Select "Apply Now" to learn more about the product features, terms and conditions

Rated Best for:
All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Wells Fargo Reflect® Card Review

September 12, 2022

If you're searching for a credit card with an extensive intro APR period, the Wells Fargo Reflect® Card just might be the offer for you.

This card features an exceptional introductory period of 0% APR for up to 21 months from account opening on both purchases and qualifying balance transfers made within 120 days. 

To secure the full 21-month introductory period you will need to ensure on-time payments. The card originally comes with 0% intro APR for 18 months from account opening on purchases and balance transfers, but you can qualify for an Intro APR extension of up to 3 additional months with timely minimum payments during the intro and extension period. This card has a 15.99% - 27.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5. When you factor in the extension period, this card is clearly one of the strongest in its class for financing large purchases or consolidating debt.

The fact that this credit card comes with a $0 annual fee makes it all the more compelling. To top it all off, there is the added perk of up to $600 of cell phone protection when you pay your monthly phone bill using this card (subject to a $25 deductible). 

Whether you are looking to finance a purchase or pay down your debt, this card gives you almost two years to take advantage of no interest.

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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.