Wells Fargo Reflect® Card Review

Last Updated on May 13, 2026

Offer Rating

4.0/5

By Our Content Team

EDITOR

With one of the longest intro APR periods available, the Wells Fargo Reflect® Card is a perfect choice for anyone looking to pay less in interest with low rates on purchases or balance transfers.

Jump to Full Review ↓

Rates & Fees

Wells Fargo Reflect® Card

4.0 BCC Score

Apply Now

on Wells Fargo's secure site

Welcome Offer

—

Rewards Rate

N/A

Intro APR

0% intro APR for 21 months from account opening on purchases and 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR

Annual Fee

Credit Score Needed

Excellent/Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. 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.

Pros

Extra-long intro APR on purchases and qualifying balance transfers
Enjoy up to $600 of cell phone protection
Pay no annual fee

Cons

Balance transfer fee of 5%, min: $5
There is a foreign transaction fee of 3%

OUR EXPERT REVIEW

Why We Like It

If you're looking for a credit card with a long intro APR, the Wells Fargo Reflect® Card could be the perfect fit for you. This card comes with a jaw-dropping 0% intro APR for 21 months from account opening on purchases, 17.49%, 23.99%, or 28.24% Variable APR thereafter, as well as 0% intro APR for 21 months from account opening on qualifying balance transfers made within 120 days. That means you have nearly two years to pay down your balance interest free.

Even with the stellar benefit of the extra-long intro APR period, the Wells Fargo Reflect® Card comes with no annual fee. Plus, cardholders have the added perk of up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.