Wells Fargo Reflect Credit Card Review

The Wells Fargo Reflect® Card is a great card for anyone looking to transfer a balance or make a large purchase. It has a 0% APR introductory rate on purchases and balance transfers for the first 21 months from account opening on purchases. There aren’t many rewards and you won’t get a bonus for signing up, but if you need a card with a long introductory rate, this is the one. We dive into the details and your approval odds in this Well Fargo Reflect review.

Wells Fargo Reflect Card

Our Rating

4.5/5.0

Welcome Offer

N/A

Annual Fee

$0

0% on Purchases

21 months from account opening on purchases

Reward Rate

N/A

0% on Balance Transfers

21 months from account opening on qualifying balance transfers

>>Check Out This and Other Balance Transfer Credit Cards Here

Welcome Offer

None

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, 24/7 customer service
Travel PerksRoadside Assistance

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3%
Regular APR18.24%, 24.74% or 29.99% (V) APR
Balance Transfers0% Intro APR for 21 months on balance transfers, then 18.24%, 24.74% or 29.99%(V) APR after that.
Balance Transfer Fee3% for 120 days from account opening, then up to 5%; min: $5
Purchases0% Intro APR for 21 months on purchases, then 18.24%, 24.74% or 29.99% (V) APR after that.

Pros & Cons

Pros

  • Excellent 0% APR on purchases and balance transfers
  • No annual fee
  • Cell phone protection
  • 24/7 roadside assistance

Cons

  • No signup bonus
  • Limited rewards

What Are the Best Alternatives?

Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card
Citi® Diamond Preferred® Card

Rating

3.6

Rewards Range

N/A

Annual Fee

$0

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

Citi Simplicity<sup>®</sup> Card
Citi Simplicity® Card

Rating

4.0

Rewards Range

N/A

Annual Fee

$0

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