Wells Fargo Reflect Credit Card Review
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
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.
Our Rating
4.5/5.0
Welcome Offer
N/A
Annual Fee
$0
0% Intro on Purchases
21 months from account opening on purchases
Reward Rate
N/A
0% Intro on Balance Transfers
21 months from account opening on qualifying balance transfers
>>Check Out This and Other Balance Transfer Credit Cards Here
Editorial Review
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, 24/7 customer service |
| Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Regular APR | 18.24%, 24.74% or 29.99% (V) APR |
| Balance Transfers | 0% Intro APR for 21 months on balance transfers, then 18.24%, 24.74% or 29.99%(V) APR after that. |
| Balance Transfer Fee | 3% for 120 days from account opening, then up to 5%; min: $5 |
| Purchases | 0% Intro APR for 21 months on purchases, then 18.24%, 24.74% or 29.99% (V) APR after that. |
What Credit Score Is Required to Get the Wells Fargo Reflect® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 693
Average Approved Credit Score: 759
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 05/09/2023 | Experian | ||
| Approved | 05/09/2023 | TransUnion | ||
| Approved | 05/09/2023 | Equifax | ||
| Approved | 02/17/2023 | Equifax | ||
| Approved | 03/28/2023 | Experian | ||
| Approved | 08/12/2023 | Equifax | ||
| Approved | 05/05/2023 | Experian | ||
| Approved | 04/22/2023 | Not Provided | ||
| Approved | 04/22/2023 | Experian | ||
| Approved | 04/22/2023 | Not Provided | ||
| Approved | 01/22/2023 | Experian | ||
| Denied | 12/28/2023 | Not Provided | ||
| Denied | 09/26/2023 | Not Provided | ||
| Denied | 09/26/2023 | Not Provided | ||
| Denied | 09/26/2023 | Not Provided | ||
| Denied | 12/11/2023 | TransUnion | ||
| Denied | 12/11/2023 | Equifax | ||
| Denied | 12/11/2023 | Experian |
Pros & Cons
- Excellent 0% APR on purchases and balance transfers
- No annual fee
- Cell phone protection
- 24/7 roadside assistance
- No signup bonus
- Limited rewards
What Are the Best Alternatives?
Citi® Diamond Preferred® Card
Rating
3.6
Rewards Range
N/A
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Citi Simplicity® Card
Rating
4.0
Rewards Range
N/A
Annual Fee
$0