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Reflect®

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Reflect®
4.0

Annual fee:
$0

Intro APR

Purchases: 0%, 21 months

Balance Transfers: 0%, 21 months

Regular APR

17.24% - 28.99% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 21 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 120 days.
  • Regular APR: After the introductory period, a variable APR of 17.24% - 28.99% applies to purchases and balance transfers.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

  • Travel Benefits: Includes Auto Rental Coverage and Roadside Assistance.

Purchase Protections

  • Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

Exclusive Offers

  • My Wells Fargo Deals: Access personalized offers from popular merchants and earn cashback as a statement credit when you activate a deal and use your eligible Wells Fargo credit card.

Additional Features

  • Emergency cash disbursement and card replacement, zero liability protection and free credit score and identity monitoring with Credit Close-Up®.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Wells Fargo Reflect® Card is a smart pick for individuals focused on paying down debt or managing large purchases over time. It offers one of the longest 0% intro APR periods on the market, 0% APR for 21 months from account opening on purchases and qualifying balance transfers, followed by a variable APR. While it doesn’t earn rewards, its standout intro APR and no annual fee make it an ideal choice for those who want breathing room to pay off balances without interest. This card is best suited for budget-conscious users looking for financial flexibility rather than ongoing perks or cashback.