Wells Fargo Reflect Credit Card Review
The Wells Fargo Reflect Card offers one of the longest 0% intro APRs on both balance transfers and purchases, making it ideal for paying off debt or an upcoming large purchase.
Our Rating
4.8/5.0
4.8/5.0
Welcome Bonus
None
None
Annual Fee
$0
$0
0% on Purchases
21 Months
21 Months
Rewards Rate
N/A
N/A
0% on Balance Transfers
21 Months
21 Months
Snapshot
- 0% Intro APR: Up to 21 months on qualifying balance transfers and purchases, then the regular APR applies (currently 12.99% - 24.99%)
- Wells Fargo Deals: Earn cash back statement credits from select merchants
- Benefits: Cell phone protection, 24/7 roadside assistance, and zero liability protection
- Annual Fee: $0
Editorial Review
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
Who the card is best for
The Wells Fargo Reflect Card is best for those looking for a 0% intro rate on balance transfers, purchases or both.
Alternatives
The card is not ideal for those wanting to earn rewards or those needing to transfer credit card debt from another Wells Fargo credit card. For rewards, check out our cash back, travel and signup bonus cards. For those with Wells Fargo credit card debt, check out balance transfer card alternatives.
