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 of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% 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 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 earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your 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: 12.99%-24.99% Variable APR
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$95 | Annual fee$0 |
Regular APR15.99%-22.99% Variable APR | Regular APR14.99%-24.99% Variable APR | |
Intro APR0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers | Intro APRN/A | Intro APR0% intro APR for 15 months on purchases and balance transfers |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Erica Corbin
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 for 18 months from account opening on purchases and qualifying balance transfers, and then an ongoing APR of 12.99%-24.99% Variable APR. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods.
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.
