Wells Fargo Reflect℠ Card Review for 2024

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Written By
Julija A.
July 02, 2023
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Wells Fargo Reflect℠ is a balance transfer card that offers 0% intro APR for up to 21 months, with a $0 annual fee. Cardholders who want to make a large payment or consolidate their debts will be able to do so without being charged interest.

Read our full Wells Fargo Reflect℠ Card review to learn more about the card and find out if it will be enough to meet your needs.

14.49% to 26.49% (variable)

0% APR for up to 21 months

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

14.49% to 26.49% (variable)
0% APR for up to 21 months
0% intro APR on purchases and balance transfers for up to 21 months
pros thumb up Strengths
  • No annual fee
  • Roadside dispatch, cellphone protection, and zero liability protection
  • Competitive regular APR
pros thumb up Weaknesses
  • No rewards
  • 3% foreign transaction fee

Wells Fargo Reflect℠ Card Overview

If you’re searching for a card to help you pay down your debt, you should take a closer look at Wells Fargo Reflect℠ Card’s interest rates: You’ll see 0% APR for up to 21 months!

All users get 18 months of no APR payments, but this can be extended for another three months if you make minimum payments throughout. What’s more, the $0 annual fee makes it an excellent long-term choice. 

In addition, if you pay your cellphone bills using this card, you’ll get cellphone protection and other benefits such as roadside dispatch, zero liability protection, and My Wells Fargo Deals. However, if you expect rewards from your new card, you might want to look elsewhere.

Wells Fargo Reflect℠ Card APR and Fees

As mentioned, the Wells Fargo Reflect℠ Card provides consumers with a 0% APR on purchases and balance transfers for up to 21 months from the day they open the account. After this period has expired, the regular APR will be 14.49% to 26.49% (variable).

More specifically, Wells Fargo Reflect℠ Card cardholders will receive the APR offer of 18 months for both purchases and balance transfers, and if they make minimum payments on time, this can be prolonged for three more months.

Although there’s no annual fee, there’s an introductory balance transfer fee of either 3% or $5 (whichever is greater). This rule applies for 120 days from the moment you open an account. After that, a fee of up to 5% is charged for each balance transfer, with a minimum amount of $5.

As for cash advances, they carry a charge of $10 or 5% (whichever is greater). Foreign currency conversion costs 3% of the total amount (converted to US dollars). Penalty fees of up to $40 are charged for late payments.

Finally, the Wells Fargo Reflect℠ Card credit limit is based on your credit score, debts, and income. There is no information available on typical limits for this card.

How to Apply

The application process is straightforward: Go to Wells Fargo’s credit card page and scroll down until you see the Wells Fargo Reflect℠ Card. Then, click on the Apply Now button. 

First, you’ll fill out your personal information and Social Security number (or Individual Tax Identification number). Finally, Wells Fargo will need your financial information, including your housing status, monthly mortgage or rent payment, and employment status. These are the only mandatory fields.

Wells Fargo Reflect℠ Card Benefits

Apart from the generous intro APR offer, several other perks make this card the first choice of many consumers. Whether you want to make a large purchase or consolidate your debts, the Wells Fargo Reflect℠ card might be the way to go; let’s see what makes this card stand out from the rest.

Long 0% Intro APR Offer

The Wells Fargo Reflect℠ card offers a 0% APR on purchases and balance transfers for up to 21 months from the day you open the account. This is one of the longest introductory rates found on the market. Afterward, the regular APR is still pretty competitive, although it will depend on your creditworthiness.

No Annual Fee

One of the finest features of this card is its lack of annual fee. Cardholders focused on managing their spending will benefit greatly from this feature, as they will from the low intro APR. Still, you might want to browse through other credit cards that don’t charge an annual fee, as they might have better rewards programs.

Cellphone Protection

Cardholders who use a Wells Fargo Reflect℠ Card can earn up to $600 for cellphone protection. To qualify for this type of insurance, which protects their phones from theft or damage, they need to pay their monthly cell phone bill using this card.

Roadside Dispatch

Apart from cellphone protection, roadside dispatch is another great perk that can be a life-saver in challenging situations.

Cardholders stuck on the road can ask for assistance 24/7; if they need towing or similar services, help will be on the way. Even though Wells Fargo Reflect Card℠ has some drawbacks, this feature can literally be a life saver.

Zero Liability Protection

Wells Fargo employs different security measures, so your personal and financial data is always secure, but fraud and scams are a common occurrence nowadays.

Nonetheless, if you notice an unauthorized charge on your card, all you need to do is report it as soon as you spot it, and zero liability protection will prevent you from losing money. 

My Wells Fargo Deals

To use a Wells Fargo Reflect card, your credit score needs to be above 660. To reward this high score, Wells Fargo forged partnerships with multiple merchants and offers opportunities to earn cash back on shopping, dining, and events, so long as you use the Wells Fargo Reflect℠ card to pay for it.

How Does It Compare To Similar Credit Cards?

Wells Fargo Reflect℠ Card Logo
Wells Fargo Reflect℠ Card
Regular APR:

14.49% to 26.49% (variable)

Annual fee:


Citi Simplicity® Card Logo
Citi Simplicity® Card
Regular APR:

16.24% - 26.24% (variable)

Annual fee:


Capital One VentureOne Rewards Credit Card Logo
Capital One VentureOne Rewards Credit Card
Regular APR:

15.24% - 25.24% (variable)

Annual fee:


Wells Fargo Reflect Card℠ Customer Service

If you have questions regarding your Wells Fargo Reflect℠ Card, you can contact customer service via phone or social media (Facebook, Twitter). Customer service is available 24/7. You can contact Wells Fargo using international access codes if you're abroad, or book an appointment with a banker.

Online and Mobile Banking

If you decide on the Wells Fargo Reflect℠ Card, you’ll be able to use online and mobile banking. You can download the mobile app from the Wells Fargo website after signing up, both for iOS and Android.

Online and mobile banking will get you quicker access to your statements, and allow you to complete payments via app.

Wells Fargo Reflect℠ Card Disadvantages

Although the Wells Fargo Reflect℠ Card has various benefits that meet the needs of many consumers looking for a solid credit card, there are still some drawbacks we should address. Apart from not knowing the possible range of your Wells Fargo Reflect℠ Card limit until your finances are processed, here are some additional downsides to consider before deciding whether you want this card.

No Rewards

Although the Wells Fargo Reflect℠ Card’s no-interest period is appealing, it won’t add much long-term value once the introductory APR expires. After all, those who want to pay off debt will usually not be too focused on earning rewards. However, if you’re looking for credit cards that offer 0% APR periods but also include different incentives after that offer expires, you should expand your search.

Wells Fargo Reflect℠Card Charges Foreign Transaction Fees

If you’re going abroad and plan to use your card, this Wells Fargo balance transfer

card might not be an ideal choice as it charges a 3% foreign transaction fee. 


The Wells Fargo Reflect Card℠ can be of great use for those interested in paying off debt or a large purchase. Although there are no rewards, this card is worth considering, as it offers a long no- or reduced-fee period.

Those with a good to excellent credit score can avoid paying interest on purchases as long as they make minimum payments by the due date every month. Moreover, if you’re after an extra-long break from interest, Wells Fargo Reflect Card℠  has one of the strongest offers on the market right now.


Is it hard to get the Wells Fargo Reflect℠ Card?


As this is one of the best balance transfer credit cards, good or excellent credit is required to apply for a Wells Fargo Reflect℠ card. Your FICO score should be higher than 660.

How often does Wells Fargo give a credit line increase?


You can request a credit limit increase after six months of timely payments, and after this period, Wells Fargo might allow an automatic increase.

How do I activate my Wells Fargo Reflect℠ card?


You can activate your Wells Fargo card online or by using the Wells Fargo Mobile app. You can also activate it using your PIN at any Wells Fargo ATM.