The Wells Fargo Reflect Card is a powerful tool for managing large expenses or paying down existing credit card balances, thanks to its exceptionally long intro APR period. Designed for U.S. consumers who prioritize low-cost borrowing and flexible repayment, this card offers one of the most competitive introductory interest-free periods available today.
Whether you need to finance a major purchase or transfer a balance from a higher-rate card, the Wells Fargo Reflect makes it easier to stay focused on paying down what you owe—without the pressure of interest building up right away.
Key Benefits of the Wells Fargo Reflect Card
1. Up to 21 Months of 0% Intro APR
Enjoy 0% introductory APR for 18 months from account opening on both purchases and qualifying balance transfers. Even better? You can get 3 extra months (totaling 21 months) if you make on-time minimum payments during the intro period.
2. No Annual Fee
This card charges no annual fee, which means you’re saving money from day one. It’s a cost-effective solution for long-term financing.
3. Peace of Mind with Cell Phone Protection
Pay your monthly phone bill with your Reflect card and get up to $600 in cell phone protection against damage or theft (subject to a $25 deductible).
4. 0% Intro APR on Balance Transfers
You’ll get the same lengthy 0% APR on balance transfers made within 120 days from account opening—perfect for consolidating high-interest debt.
5. Flexibility in Repayment
This card is designed for people who need time to pay down a balance responsibly. With such a long intro APR period, you can set a plan and stick to it.
6. Zero Penalty APR
Making a late payment won’t automatically result in a penalty APR. That offers a cushion for the unexpected—though it’s always best to pay on time.
7. Digital Access & Account Management
Track your payments, set alerts, view your statements, and manage your account 24/7 via the Wells Fargo mobile app or website.
8. Compatibility with Mobile Wallets
Enjoy easy tap-to-pay purchases with Apple Pay®, Google Pay™, and Samsung Pay.
9. No Rewards Program (By Design)
The Reflect® Card doesn’t offer cash back or travel points. That’s intentional—it’s purely a tool to save money through low interest.
10. Fraud Monitoring and Zero Liability
You’re protected against unauthorized purchases with Wells Fargo’s 24/7 fraud monitoring and zero liability protection.
Who Can Apply?
To be eligible for the Wells Fargo Reflect Card, applicants must meet the following requirements:
- Be at least 18 years old (19 in Alabama and Nebraska).
- Have a valid Social Security Number or Individual Taxpayer Identification Number.
- Maintain a U.S. residential address (P.O. boxes are not accepted).
- Possess good to excellent credit, typically a FICO score of 670 or higher.
- Demonstrate a steady income or financial capacity to repay credit obligations.
How to Apply
- Visit the Wells Fargo Reflect page on the official Wells Fargo website
- Click “Apply Now” to start your application
- Fill in your personal, financial, and contact details
- Submit and receive a credit decision, often within minutes
Frequently Asked Questions
1. Is there a balance transfer fee?
Yes, a 3% fee applies to transfers made within 120 days (then 5% after).
2. Can I earn rewards on purchases?
No, this card does not include a rewards program.
3. Is the Wells Fargo Reflect card worth it?
If your priority is saving on interest over a long period, absolutely.
4. What happens after the intro period?
A variable APR applies based on your credit profile.
