Wells Fargo Reflect® Card

Quick Snapshot

• Annual Fee: $0
• APR: 0% intro for 21 months, then 17.74%–28.49% variable
• Rewards: No traditional rewards program (My Wells Fargo Deals available)
• Bonus: None
• Best For: Balance transfers, large purchases, debt consolidation
• Credit Needed: Good to Excellent (670+)

Overview

The Wells Fargo Reflect® Card offers an industry-leading 0% intro APR for 21 months on both purchases and qualifying balance transfers. With no annual fee, cell phone protection, and access to personalized My Wells Fargo Deals, it's designed for those seeking extended interest-free financing to pay down debt or make large purchases.

This card is purpose-built for one thing: giving you the longest interest-free period available in the market. Whether you're consolidating high-interest credit card debt or planning a major purchase like home renovations or a wedding, those 21 months of 0% APR can save you thousands of dollars in interest charges compared to carrying balances on standard credit cards.

APR Breakdown

• Purchase APR: 0% intro APR for 21 months from account opening, then 17.74%, 24.24%, or 28.49% variable APR
• Balance Transfer APR: 0% intro APR for 21 months from account opening on qualifying balance transfers made within 120 days, then 17.74%, 24.24%, or 28.49% variable APR
• Cash Advance APR: 28.49% variable APR
• Penalty APR: None

Key Feature: This is one of the longest 0% intro APR periods available in the market today. Balance transfers must be made within 120 days from account opening to qualify for the intro rate. Note: No grace period applies to balance transfers; interest accrues from the day the transfer posts.

Benefits Overview

Travel Benefits

• Basic Visa protections for travel purchases
• Travel and emergency assistance services
• Emergency card replacement and cash disbursement while traveling
• Standard Visa security features worldwide

Everyday Benefits

• Cellular telephone protection (up to $600 per claim with $25 deductible)
• Zero Liability Protection against unauthorized transactions
• Roadside Dispatch (24/7 emergency roadside assistance including towing, tire changes, and lockout services)
• Credit Close-Up (complimentary FICO Score tracking to monitor credit health)
• My Wells Fargo Deals (personalized merchant offers earning cash back as account credits)
• Contactless payments via tap-to-pay technology
• Digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay)

Lifestyle Benefits

• Easy account management through Wells Fargo mobile app
• 24/7 fraud monitoring and customer service
• Account alerts and spending notifications
• Paperless statements and online account access
• Visa security features including chip technology

Rewards Structure

This card does not feature a traditional rewards program. Instead, it focuses on maximizing value through its extended 0% APR period.

However, cardholders can access My Wells Fargo Deals for personalized merchant offers that earn cash back as account credits. These deals vary by user and merchant but can provide bonus savings on everyday purchases at select retailers, restaurants, and online stores.

Savings through 0% APR: Instead of earning 1-2% in rewards while paying 20-28% APR on a balance, this card lets you save hundreds or thousands of dollars in interest charges. For someone transferring $5,000 in debt at 24% APR, the 21-month interest-free period saves approximately $2,100 compared to paying minimum payments on the original card.

Welcome Bonus

No welcome bonus offer is available for this card.

The value proposition here isn't a sign-up bonus—it's the potential to save thousands in interest charges. For example, transferring a $10,000 balance from a card charging 22% APR and paying it off over 21 months could save you over $2,400 in interest versus minimum payments on the original card.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: 3% of each transaction amount converted to U.S. dollars
• Balance Transfer Fee: Either $5 or 5% of the amount transferred, whichever is greater (for transfers made within 120 days)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Balance transfer seekers looking to consolidate high-interest credit card debt
• Large purchase planners who need extended time to pay off major expenses interest-free
• Debt consolidators wanting the longest 0% APR period available
• Home renovators financing improvements over an extended period
• Wedding planners spreading costs over nearly two years without interest
• Strategic spenders who can pay off balances within the 21-month window
• Those with good credit looking to save on interest rather than earn rewards
• Financial optimizers who want maximum flexibility to eliminate debt

Not Good For

• Rewards seekers looking for cash back or points (no traditional rewards program)
• International travelers (3% foreign transaction fee limits value abroad)
• Those who can't commit to payoff within 21 months (high APR kicks in after)
• Impulse spenders who might not use the interest-free period strategically
• Those with fair or building credit (requires Good to Excellent credit for approval)
• Recent Wells Fargo Reflect cardholders (cannot qualify for intro rates within 48 months)

Key Pros & Cons

Pros

• Industry-leading 21-month 0% intro APR on both purchases and balance transfers
• Extended 120-day window to complete balance transfers and qualify for intro rate
• No annual fee keeps costs low while paying down balances
• Cell phone protection up to $600 per claim with $25 deductible (rare for 0% APR cards)
• My Wells Fargo Deals provides personalized cash back offers
• Roadside Dispatch for 24/7 emergency roadside assistance
• Credit Close-Up for complimentary FICO Score tracking
• Zero Liability Protection against unauthorized transactions
• Potential to save thousands in interest charges
• No penalty APR even if you make a late payment

Cons

• No traditional rewards program or ongoing earning structure
• 3% foreign transaction fee limits international use value
• Cannot qualify for intro rates if you've opened this card within 48 months
• Variable APR can be high (up to 28.49%) after 21-month intro period ends
• Balance transfer fee of 5% applies (though savings typically outweigh the cost)
• Interest on balance transfers accrues immediately with no grace period
• Best suited for those with discipline to pay off balances during intro period
• Requires Good to Excellent credit (670+) for approval
• No welcome bonus offered

Alternatives to Consider

Card	Best For	Annual Fee	Intro APR Period	Rewards
Citi Simplicity® Card	Long intro period with no late fees	$0	0% for 21 months on balance transfers	None
Wells Fargo Active Cash® Card	Balance transfers with rewards	$0	0% for 12 months	2% cash back
Chase Slate Edge℠	No balance transfer fee	$0	0% for 18 months on balance transfers	Cash back on select purchases
Discover it® Balance Transfer	Balance transfers with rewards match	$0	0% for 18 months	5% rotating + 1%

How the Rewards Add Up

Savings Example: Balance Transfer Value

Instead of earning rewards, this card's value comes from interest savings. Here's how much you could save:

Scenario: $10,000 Balance Transfer

Without Wells Fargo Reflect (paying on original card at 24% APR):

• Paying $500/month for 24 months
• Total interest paid: ~$2,400
• Total paid: $12,400

With Wells Fargo Reflect (0% APR for 21 months):

• Paying $500/month for 20 months (paid off early)
• 5% balance transfer fee: $500
• Total interest paid: $0
• Total paid: $10,500

Total Savings: $1,900 even after the balance transfer fee

Scenario: $5,000 Large Purchase

Without 0% APR (on card charging 22% APR):

• Paying $250/month for 24 months
• Total interest paid: ~$1,100
• Total paid: $6,100

With Wells Fargo Reflect (0% APR for 21 months):

• Paying $250/month for 20 months (paid off early)
• No purchase fee
• Total interest paid: $0
• Total paid: $5,000

Total Savings: $1,100 in interest charges

Should You Get This Card?

You Should Get It If…

• You have high-interest credit card debt and want to save on interest charges
• You're planning a major purchase and need 21 months to pay it off interest-free
• You have good to excellent credit (670+) and want to consolidate debt strategically
• You're disciplined enough to create a payoff plan within the 21-month window
• You want the longest 0% APR period available in the market
• You're financing home improvements, a wedding, or other large expenses
• You value interest savings more than earning rewards points
• You can transfer balances within the 120-day window

You Should Skip It If…

• You're looking for a rewards card to earn cash back or points on everyday spending
• You frequently travel internationally (3% foreign fee is costly)
• You've had this card within the past 48 months (ineligible for intro rates)
• You don't have a clear plan to pay off balances within 21 months
• You want a balance transfer card with no transfer fee
• You have fair or building credit (this requires good credit for approval)
• You're an impulse spender who might abuse the interest-free period

Strategic Payoff Planning

To maximize the value of the 21-month 0% APR period, create a strategic payoff plan:

For Balance Transfers:

1. Calculate your monthly payment: Divide your transferred balance by 21 to find your minimum monthly payment
2. Add a buffer: Pay slightly more to ensure you're paid off before the intro period ends
3. Set up autopay: Never miss a payment and maintain your 0% rate
4. Track progress: Monitor your balance monthly to stay on target

Example Payoff Schedule:

Balance Transferred	Divide by 21 Months	Recommended Payment
$3,000	$143/month	$150/month
$5,000	$238/month	$250/month
$8,000	$381/month	$400/month
$10,000	$476/month	$500/month

Pro Tip: Round up your payments and you'll pay off your balance early, giving yourself a cushion if unexpected expenses arise.

Apply Now

Apply for Wells Fargo Reflect® Card

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Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.