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

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.

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 StatusDateCredit ScoreBureauCredit Limit
Approved05/09/2023
767
Experian
$25,000
Approved05/09/2023
782
TransUnion
$25,000
Approved05/09/2023
796
Equifax
$25,000
Approved02/17/2023
740
Equifax
$14,000
Approved03/28/2023
738
Experian
$5,500
Approved08/12/2023
693
Equifax
$5,000
Approved05/05/2023
780
Experian
$15,000
Approved04/22/2023
738
Not Provided
$16,000
Approved04/22/2023
779
Experian
$16,000
Approved04/22/2023
790
Not Provided
$16,000
Approved01/22/2023
746
Experian
$13,500
Denied12/28/2023
725
Not Provided
---
Denied09/26/2023
788
Not Provided
---
Denied09/26/2023
799
Not Provided
---
Denied09/26/2023
803
Not Provided
---
Denied12/11/2023
691
TransUnion
---
Denied12/11/2023
698
Equifax
---
Denied12/11/2023
712
Experian
---

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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