Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

on Wells Fargo's website

Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

on Wells Fargo's website

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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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$95

Annual fee

$0

Regular APR

12.99%-24.99% Variable APR

Rates & Fees

Regular APR

15.99%-22.99% Variable APR

Regular APR

14.99%-24.99% Variable APR

Intro APR

0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers

Intro APR

N/A

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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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.