Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

Wells Fargo Reflect Card Review: A Lengthy and Extendable 0% Intro APR

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

There are several cards out there with 0% intro APR offers, but the Wells Fargo Reflect® Card puts a unique twist on this popular perk. It starts with a very long 0% intro APR on purchases and qualifying balance transfers, and Wells Fargo then extends that intro rate for a total of up to 21 months if you make your minimum payments on time. Read our in-depth Wells Fargo Reflect® Card review to learn all about its pros, its cons, and to figure out if it's right for you.

Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Score:
Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Intro APR Info Icon Circle with letter I in it. 0% intro APR, up to 21 months from account opening on qualifying balance transfers

Purchases: 0% intro APR, up to 21 months from account opening

Balance Transfers: 0% intro APR, up to 21 months from account opening on qualifying balance transfers

Regular APR

16.74% - 28.74% variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • A clear leader with a 0% intro APR offer that is among the longest we've come across. The card also includes an innovative intro APR extension with on-time payments.

    • Long 0% Intro APR offer
    • No annual fee
    • Cell phone protection
    • Balance transfer fee
    • 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. 16.74% to 28.74% 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
Wells Fargo Reflect® Card
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Full Wells Fargo Reflect® Card review

This credit card is a good fit for: Cardholders who want to finance purchases or refinance credit card debt at a 0% intro APR.

Top perks

The Wells Fargo Reflect® Card has several perks headlined by a fantastic 0% intro APR offer.

0% intro APR for up to 21 months

This Wells Fargo card starts with a 0% intro APR on purchases and qualifying balance transfers for 18 months. To make it even better, you can get an intro APR extension for three months, for a total of 21 months. All you need to do is make on-time minimum payments during the intro and extension periods.

It's worth noting that the intro APR applies to balance transfers made within the first 120 days of opening the account. There is also a balance transfer fee of 3% ($5 minimum) on transfers made within the first 120 days and 5% ($5 minimum) on transfers made after that. Those fee amounts are standard among balance transfer credit cards.

No annual fee

The Wells Fargo Reflect® Card is designed to help you save money both on credit card interest and other fees. Since it's a no annual fee card, you don't need to pay an annual fee to have it.

Learn more: Best No Annual Fee Credit Cards

Cellphone protection

When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). This is one of those underrated credit card perks. You don't need to pay for cellphone insurance out of pocket, and you can still have the peace of mind that your phone is protected.

Special offers

Through My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining, and experiences that you pay for with your eligible Wells Fargo card.

Alternatives to consider

  • If you want to earn cash rewards: Another of Wells Fargo's top cards, the Wells Fargo Active Cash® Card, could be the perfect fit. It earns an unlimited 2% cash rewards, and it also has a 0% intro APR on purchases and qualifying balance transfers.
  • If you want rewards and a 0% intro APR for balance transfers: The Citi® Double Cash Card – 18 month BT offer is a popular choice as a balance transfer card with rewards. It has a long 0% Intro APR for balance transfers for 18 months and 2% cash back, but with a twist. Cardholders earn 1% when they buy and 1% when purchases are paid off.

Read more: Best Credit Cards

As of Dec. 05, 2022
Image for
Image for
Wells Fargo Active Cash® Card Citi® Double Cash Card – 18 month BT offer
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Welcome Offer: Info Icon Circle with letter I in it. $200 cash rewards bonus after spending $1000 in purchases in the first three months

$200 cash rewards offer

Welcome Offer:

N/A

Rewards Program:

2% cash rewards

Rewards Program: Info Icon Circle with letter I in it. 2% cash back: 1% when you buy plus 1% as you pay

Up to 2% cash back

Intro APR: Info Icon Circle with letter I in it. 0% intro APR, 15 months from account opening on qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Intro APR: Info Icon Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR:

18.74%, 23.74%, or 28.74% variable APR

Regular APR:

17.74% - 27.74% (Variable)

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; 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
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • 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).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Highlights:

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

What could be improved

There are a couple of areas where Wells Fargo could improve this card.

No rewards

The biggest downside of the Wells Fargo Reflect® Card is that it doesn't offer a standard cash back program. Rewards credit cards get you either cash back or points on purchases. Many of these cards also have big sign-up bonuses worth hundreds of dollars or more.

You can occasionally earn statement credits with this card through My Wells Fargo Deals, but not everyone will get much from those offers. Rewards on every purchase would make this card much more valuable.

Foreign transaction fee

There is a 3% foreign transaction fee with this card, so it's not one you'd want to use while abroad. If you go on international trips, then you'll need another card, such as one of the many travel rewards credit cards.

Suggested credit score

A FICO® Score of 670 or higher, which is considered good credit, is suggested to apply for the Wells Fargo Reflect® Card. With the quality benefits the card offers, it's aimed at consumers who have built a solid credit history.

It's always worth noting that credit card applications depend on a range of factors. These include your credit score, your income, and other parts of your financial profile. Although your credit score is very important, that alone doesn't guarantee your application will be approved or denied.

The Wells Fargo Reflect® Card is right for you if:

You have big expenses coming up that you need to pay over time or you have credit card debt to refinance.

For saving money on interest charges, the Wells Fargo Reflect® Card is a winner. Its main notable drawback is the lack of rewards, so you might want to check out other credit card reviews if that's important to you. But if your priority is a 0% intro APR, that's where this Wells Fargo card outshines the competition.

About the Author