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Wells Fargo Reflect Card Review: A 0% Intro APR for 21 Months

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. 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 offers one of the longest we've seen. Its intro rate also applies to both purchases and qualifying balance transfers, so there are multiple ways it can save you money. 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.

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4.50/5 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.
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4.50/5 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.
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Credit Score: 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.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score 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.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

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

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

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Rewards

N/A

Annual Fee Circle with letter I in it. N/A

$0

  • This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. The balance transfer fee (5%, min: $5) is higher than some cards — but if you want an equally long intro APR on purchases, then this card is hard to beat.

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free FICO® Score
    • Balance transfer fee
    • Foreign transaction fee
    • 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.

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.

Features and benefits

With this Wells Fargo card, it's all about the low introductory APR. It's not feature-packed, but it's arguably the best option for paying off purchases and balance transfers over time.

Perfect for saving on interest with a long 0% intro APR

If you need to avoid interest charges for as long as possible, look no further. The Wells Fargo Reflect® Card has a 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening. That's nearly two years where you won't be paying credit card interest.

Balance transfers made within the first 120 days qualify for the intro rate. After the intro period ends, the go-to 18.24%, 24.74%, or 29.99% Variable APR applies on your card's balance going forward.

This is the longest 0% intro APR I've seen. Since it applies to purchases and balance transfers, there are all kinds of ways to use it. You could:

  • Put a home remodel on this Wells Fargo card, instead of paying for it with an expensive loan.
  • Set up balance transfers for any credit card debt you have. Don't forget to make the balance transfers within 120 days, so they qualify for the introductory rate.
  • Use this card to cover big emergency expenses, and then pay them off over time.

Keeps your smartphone safe with complimentary insurance coverage

Considering how much smartphones cost, and the many hazards they seem to face, it's a good idea to have yours insured. They may seem affordable when you're paying them off across 24 monthly payments. When you lose one and need to pay MSRP for a new iPhone, that's when you realize it costs about as much as a rent payment.

If you have this card and use it to pay your monthly cellphone bill, you won't need to shell out extra for insurance. It has complimentary cellphone protection of up to $600, with a $25 deductible. This covers damage, theft, and involuntary or accidental parting (when you know where your phone is, but it's impractical to recover it).

Drawbacks to know about

Like a lot of 0% APR credit cards, this is a top-heavy card. It can help you save on costly interest charges during its intro period, but that's about it.

No rewards: Limited value outside of the intro APR

The biggest drawback with this card is that it doesn't offer any sort of rewards program. That means:

  • There's no welcome bonus. Some credit cards offer welcome bonuses of $200 or more for new cardholders.
  • There are no purchase rewards. Other cards earn cash rewards or points on all your eligible purchases, which can add up over time. It's possible to earn $500 or more every year in rewards this way, depending on how much you spend.

To be fair, this card has special offers through My Wells Fargo Deals, where you can earn cash back statement credits on shopping, dining, and experiences you pay for with your eligible Wells Fargo card. But earning some statement credits here and there isn't nearly as valuable as earning cash rewards on all your everyday purchases.

Because of the lack of rewards, this card doesn't have much long-term value. Once the 0% intro APR ends, there's no incentive to continue using it. You're better off switching to a rewards credit card at that point.

It's worth noting that there are 0% APR credit cards that also have rewards programs. They just have shorter 0% APR intro periods. If you don't need the entire 21 months from account opening this Wells Fargo card offers, then it could make more sense to pick a card with a shorter intro period that earns rewards.

Costly fees on balance transfers and foreign transactions

The Wells Fargo Reflect® Card is a great balance transfer card because of its 0% intro APR. But it also has a 5%, min: $5 balance transfer fee.

Balance transfer cards normally have a fee like this, but some of them only charge 3%. It may not seem like much, but if you're transferring $5,000, that 2% difference would cost you an extra $100.

There's also a foreign transaction fee of 3%, another reason why this isn't the best card for long-term use. If you ever travel outside the United States, it's important to have a card you can use without any extra fees, like a travel credit card.

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.

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 on purchases, and it has a valuable welcome offer, too.
  • If you want to save on balance transfer fees: The Discover it® Balance Transfer offers a 0% intro APR for 18 months on balance transfers made during the intro period. The go-to 17.24% - 28.24% Variable APR applies after the intro period. It also has a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*.

MORE OPTIONS: Best Credit Cards

As of Nov. 27, 2023
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Wells Fargo Reflect® Card Wells Fargo Active Cash® Card Discover it® Balance Transfer
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4.50/5 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.
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Rating image, 5.00 out of 5 stars.
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5.00/5 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.
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Credit Rating Requirement: 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.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: 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.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: 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.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer:

Welcome Offer: Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

Welcome Offer: Circle with letter I in it. N/A

Discover will match all the cash back you’ve earned at the end of your first year.

Rewards Program:

N/A

Rewards Program: Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Rewards Program: Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

1%-5% cash back

Intro APR: Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

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

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

Intro APR: Circle with letter I in it. 0% intro APR for 15 months from account opening on purchases and 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:

Purchases: 0%, 6 months

Balance Transfers: 0%, 18 months

Regular APR:

18.24%, 24.74%, or 29.99% Variable APR

Regular APR:

20.24%, 25.24%, or 29.99% Variable APR

Regular APR:

17.24% - 28.24% Variable APR

Annual Fee: Circle with letter I in it. N/A

$0

Annual Fee: Circle with letter I in it. N/A

$0

Annual Fee:

$0

Highlights:

  • 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.

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 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. 20.24%, 25.24%, or 29.99% 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.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Highlights:

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee.
  • Terms and conditions apply.
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Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • It's not hard to get approved for the Wells Fargo Reflect® Card, but it depends on your credit score and your financial profile. A credit score of 670 or higher is recommended when applying to make it more likely that you qualify for the card.

  • The credit limit for the Wells Fargo Reflect® Card can range from $1,000 to over $10,000. Wells Fargo sets your credit limit when it approves you for the card based on your creditworthiness, income, and other financial information.

  • No, the Wells Fargo Reflect® Card doesn't have an annual fee.

Our Credit Cards Experts