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.

Our Rating
4.5/5.0

Welcome Offer
0% intro APR for 18 months

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

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.

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 a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved07/12/2022
659
Equifax
$2,500
Approved10/03/2022
820
TransUnion
$10,000
Approved10/30/2022
710
Experian
$4,000
Approved06/09/2022
746
Experian
$14,000
Approved11/20/2022
670
Experian
$5,000
Denied12/30/2021
759
Equifax
---
Denied12/30/2021
758
TransUnion
---
Denied12/30/2021
797
Experian
---
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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