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

$75

Annual fee

$0

Regular APR

12.99%-24.99% Variable APR

Rates & Fees

Regular APR

15.99%-23.99% Variable APR

Regular APR

13.24%-19.24% Variable APR

Rates & Fees

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 on purchases for 12 months from the date of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erica Corbin

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.