Wells Fargo Reflect Card Review: One of the Longest 0% APR Periods Right Now

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Wells Fargo Reflect℠ Card Wells Fargo Reflect℠ Card
Editor’s Score: (N/A)
Learn more externa link icon At our partner’s secure site
Wells Fargo Reflect℠ Card
Editor’s Score: (N/A)
  • Introductory balance transfer rate:
    0% intro APR for up to 21 months from account opening on qualifying balance transfers
  • Annual fee:
    $0
  • Regular APR:
    12.99%-24.99% Variable APR
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • Long intro APR
  • No annual fee
  • Cell phone protection
Cons
  • No rewards
  • High APR after the introductory offer ends
  • Must meet requirements to get full 21 months of 0% intro APR
The Bottom Line
The no annual fee Wells Fargo Reflect Card offers an initial 0% intro APR on purchases and qualifying balance transfers for 18 months from account opening, with the potential to earn an intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods. After that, there will be a variable APR of 12.99% to 24.99%. It’s light on added perks and has no rewards, but carries one of the longest 0% intro periods available today.

Additional Card Details

  • Get a 0% introductory APR for up to 21 months from account opening on purchases and qualifying balance transfers — start with a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then unlock up to three additional months with on-time minimum payments during the 18-month offer and the extension period, then a 12.99% – 24.99% variable APR thereafter
  • Cell phone insurance worth up to $600 when you pay your bill with your eligible Wells Fargo card (subject to a $25 deductible)
  • Get access to My Wells Fargo Deals for savings with select retailers
  • Roadside dispatch

Wells Fargo Reflect Card Full Review

Card Type

The Wells Fargo Reflect Card is a 0% intro APR credit card that works for both purchases and qualifying balance transfers. You can use this card to save money on interest as you pay down debt or pay off a large purchase over time.

Annual Fee

This card has no annual fee.

Welcome Offer

There’s no welcome bonus offer for the Wells Fargo Reflect Card.

Introductory Offer

Upon approval, you’ll get an 18-month 0% intro APR from account opening for both new purchases and qualifying balance transfers. You can get that period extended for up to an additional three months (for a total 21 months) if you make at least the minimum monthly payment throughout the initial introductory period and the extension on-time. After that, there will be a 12.99% – 24.99% variable APR.

To qualify for the 0% intro APR on balance transfers, you must transfer your balance within 120 days of account opening.

Rewards

The Wells Fargo Reflect Card doesn’t offer any rewards.

Fees

The Wells Fargo Reflect Card doesn’t charge an annual fee. You’ll pay an intro 3% balance transfer fee (minimum $5) if you use this card to pay down debt and transfer your balance within 120 days. After that, the fee increases up to 5% ($5 minimum) . The ongoing variable APR after the intro period is 12.99% – 24.99%.

Other fees to watch out for include a 5% cash advance fee (minimum $10), late payment fee up to $40, and a returned check or returned payment fee up to $40. There’s also a 3% foreign transaction fee for any purchases outside the United States.

Other Benefits

The Wells Fargo Reflect Card comes with only a few added benefits. You can get 24/7 roadside dispatch services and cellphone insurance, although you have to pay your phone bill with your card for the cell phone coverage to apply. You’ll also get access to My Wells Fargo Deals, for special savings opportunities from select retailers.

Benefits of Wells Fargo Reflect Card

The Wells Fargo Reflect Card is a great option if you have debt to consolidate or a large purchase coming up. As long as you can commit to paying at least the minimum payment each month, you’ll have the potential to enjoy 0% APR for a full 21 months.

Pro Tip

Make sure to make at least the minimum payment on this card every month. Not only will this help you keep your credit score in good shape, but paying at least the minimum each month will unlock an additional 3 months of this card’s 0% intro APR offer.

The cell phone insurance benefit this card offers can also be valuable, especially if you have an expensive mobile device and no coverage in place. To unlock this benefit, you’ll need to make sure you pay your cell phone bill with this card every month.

Drawbacks of Wells Fargo Reflect Card

The lack of rewards is this card’s major downside, although its primary function is a debt payoff tool, rather than a way to earn rewards on your spending.

Another downside for some cardholders is this card’s 3% foreign transaction fee. If you frequently travel internationally, you should look for a card that waives foreign transaction fees on purchases made abroad.

How to Use Wells Fargo Reflect Card

While this card offers a long intro period on both new purchases and balance transfers, it’s not the best idea to use it for both at the same time. If you have existing high-interest debt to pay down, charging more purchases to your card (even with 0% interest) can make it more difficult to eliminate your balance before the intro period ends. 

If you use your Wells Fargo Reflect Card to consolidate high interest debts from other credit cards, make sure you transfer the balance within 120 days of account opening. That’ll ensure you qualify for the 0% APR offer and the 3% balance transfer fee (minimum $5). Plus, transferring your balance quickly after approval can help you take full advantage of the intro period.

If you don’t have debt to transfer and you want to use this card’s 0% APR to pay down an upcoming purchase over time, make sure you have a plan in place to pay off the balance in full before the intro period is over. Whether you use the intro period for new purchases or balance transfers, any remaining balances will be subject to the regular variable APR once the period ends, which can be as high as 24.99%.

Wells Fargo Reflect Card Compared to Other Cards

Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Editor’s Score: (N/A)
  • Introductory balance transfer rate:
    0% intro APR for up to 21 months from account opening on qualifying balance transfers
  • Annual fee:
    $0
  • Regular APR:
    12.99%-24.99% Variable APR
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

Editor’s Score: (4.1/5)
  • Introductory balance transfer rate:
    0%* for 20 billing cycles on balance transfers*
  • Annual fee:
    $0*
  • Regular APR:
    14.49% – 24.49%* (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
Citi Simplicity® Card

Citi Simplicity® Card

Editor’s Score: (4.0/5)
  • Introductory balance transfer rate:
    0% for 21 months on Balance Transfers
  • Annual fee:
    $0
  • Regular APR:
    14.74% – 24.74% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site

Is the Wells Fargo Reflect Card Right for You?

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

If you want to pay down debt or pay down a large purchase over time without interest, the Wells Fargo Reflect Card is one of the best options available today. It’s a great debt payoff tool, and can help you save hundreds in potential interest payments. 

But if you’re looking for a 0% APR card that offers cardholder perks or rewards after the intro period ends, this may not be the card for you. Before you apply, compare all the best balance transfer cards and 0% APR cards, including ones with similar intro periods or that offer rewards and other perks on your spending. 

Frequently Asked Questions (FAQ)

Is the Wells Fargo Reflect Card issued by Visa or Mastercard?

The Wells Fargo Reflect Card is a Visa credit card.

Does the Wells Fargo Reflect Card charge foreign transaction fees?

The Wells Fargo Reflect Card charges a 3% foreign transaction fee, which makes it a poor choice for trips abroad.

Who is eligible for the Wells Fargo Reflect Card?

For the best chances of approval, you should have at least a “good” credit score, or a score of 670 or more. According to Wells Fargo, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards if you opened a Wells Fargo credit card within the last 15 months and received any of these benefits.