Wells Fargo Reflect® Card
on Wells Fargo's website
Wells Fargo Reflect® Card
Card details
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
$0 Annual Fee
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Select "Apply Now" to learn more about the product features, terms and conditions
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
N/A
Intro APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
Ongoing APR
APR: 17.24%-29.24% Variable APR
Cash Advance APR: Refer to Important Credit Terms
Balance transfer fee
3% for 120 days from account opening, then up to 5%; min: $5
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR16.24%-26.24% Variable APR | ||
Intro APR0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers | Intro APR0% intro APR on purchases for 12 months from the date of account opening | Intro APR0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Erica Corbin
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Rating details
5
Editor's overall rating
Pros and cons
Pros
No annual fee
Intro APR period
Cons
No rewards
The Wells Fargo Reflect® Card is a competitive option for those looking to pay down debt or finance a large purchase without incurring any interest. The $0-annual-fee card features the following APR: 0% intro APR on Purchases for up to 21 months and 0% intro APR on Balance Transfers up to 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 17.24%-29.24% Variable APR
The card also offers a lower balance transfer fee for the first 120 days of account opening. For transfers made during this time, a fee of $5 or 3% applies, whichever is greater. After that, the card charges up to 5% of the amount of each transfer, with a minimum fee of $5.
Despite its generous interest-free window, the Wells Fargo Reflect® Card doesn't offer ongoing rewards or benefits.
For more information, see NerdWallet’s full review of the card.
