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Wells Fargo Reflect® Card Review: A 0% Intro APR for 21 Months

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
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Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Fact Checked: Nathan Alderman
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The Wells Fargo Reflect® Card is good for paying off big purchases or refinancing credit card debt. It has the longest 0% intro APR I've seen, so it's hard to beat for saving on interest. But this card is light on other perks and doesn't have much to offer after the introductory APR ends.

Read our in-depth Wells Fargo Reflect® Card review to learn all about its pros, its cons, and to figure out if it's right for you.

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Reflect® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free FICO® Score
    • Balance transfer fee
    • Foreign transaction fee
    • No rewards program
    • Select “Apply Now” to take advantage of this specific 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. 17.24%, 23.74%, or 28.99% 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.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Wells Fargo Reflect® Card review

Is the Wells Fargo Reflect® Card worth it?

If you need a 0% intro APR for as long as possible, then the Wells Fargo Reflect® Card is worth getting. It gives you plenty of time to pay off purchases and balance transfers without incurring interest charges. Those who can make do with a shorter intro APR period should look for cards with more benefits, such as cash rewards and a welcome offer.

Author's note
Image of reviewer

The nice thing about credit cards with a 0% intro APR is that it's easy to compare them. The key factor is how long the intro rate lasts -- on purchases, balance transfers, or both, depending on what you need the card for. For example, if you have a lot of debt and are looking for a way to refinance it, then you'd probably want to go with the card that has the longest 0% intro APR on balance transfers. Wells Fargo has done a great job in this regard. Not only does this card have a lengthy introductory period, it applies to purchases and balance transfers.

Apply now for the Wells Fargo Reflect® Card

Rates & Fees External Link Icon

What everyone else is saying

Want to know what other sites and real cardholders think of the Wells Fargo Reflect® Card? Here's what we found.

What other review sites say

Average review site rating: 4.1 / 5 stars

After reading reviews from five other top sites, there's a pretty clear consensus about this Wells Fargo card. We all agree that the 0% intro APR offer is excellent, making it one of the best credit cards for avoiding interest, and that the cellphone protection is a valuable extra.

Everyone's in agreement about this card's drawbacks, too: Lack of rewards, a high balance transfer fee, and a foreign transaction fee. The only difference of opinion is the overall rating each of us gave this card.

Online consensus

The Wells Fargo Reflect® Card hasn't exactly set the social media world on fire, but responses have generally been positive. It's widely recognized as an excellent 0% intro APR and balance transfer card.

Some cardholders have called out the balance transfer fee of 5%, min: $5, since that's more than the 3% charged by several other cards. But they also acknowledge that 21 months from account opening is a long time to pay off credit card debt.

Wells Fargo Reflect® Card features and benefits

Perfect for saving on interest with a long 0% intro APR

If you need to avoid interest charges for as long as possible, look no further. The Wells Fargo Reflect® Card has a 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening. That's nearly two years where you won't be paying credit card interest.

Balance transfers made within the first 120 days qualify for the intro rate. After the intro period ends, the go-to 17.24%, 23.74%, or 28.99% Variable APR applies on your card's balance going forward.

This is the longest 0% intro APR I've seen. Since it applies to purchases and balance transfers, there are all kinds of ways to use it. You could:

  • Put a home improvement project on this Wells Fargo card, instead of paying for it with an expensive loan.
  • Set up balance transfers for any credit card debt you have. Don't forget to make the balance transfers within 120 days, so they qualify for the introductory rate.
  • Use this card to cover big emergency expenses, and then pay them off over time.

Keeps your smartphone safe with complimentary insurance coverage

Considering how much smartphones cost, and the many hazards they seem to face, it's a good idea to have yours insured. They may seem affordable when you're paying them off across 24 monthly payments. When you lose one and need to pay MSRP for a new iPhone, that's when you realize it costs about as much as a rent payment.

If you have this card and use it to pay your monthly cellphone bill, you won't need to shell out extra for insurance. It has complimentary cellphone protection of up to $600, with a $25 deductible. This covers damage, theft, and involuntary or accidental parting (when you know where your phone is, but it's impractical to recover it).

What could be improved

No rewards: Limited value outside of the intro APR

The biggest drawback with this card is that it doesn't offer any sort of rewards program. That means:

  • There's no welcome bonus. Some credit cards offer welcome bonuses of $200 or more for new cardholders.
  • There are no purchase rewards. Other cards earn cash rewards or points on all your eligible purchases, which can add up over time. It's possible to earn $500 or more every year in rewards this way, depending on how much you spend.

To be fair, this card has special offers through My Wells Fargo Deals, where you can earn cash back statement credits on shopping, dining, and experiences you pay for with your eligible Wells Fargo card. But earning some statement credits here and there isn't nearly as valuable as earning cash rewards on all your everyday purchases.

Because of the lack of rewards, this card doesn't have much long-term value. Once the 0% intro APR ends, there's no incentive to continue using it. You're better off switching to a rewards credit card at that point.

It's worth noting that there are 0% APR credit cards that also have rewards programs. They just have shorter 0% APR intro periods. If you don't need the entire 21 months from account opening this Wells Fargo card offers, then it could make more sense to pick a card with a shorter intro period that earns rewards.

Costly fees on balance transfers and foreign transactions

The Wells Fargo Reflect® Card is a great balance transfer card because of its 0% intro APR. But it also has a balance transfer fee of 5%, min: $5.

Balance transfer cards normally have a fee like this, but some of them only charge 3%. It may not seem like much, but if you're transferring $5,000, that 2% difference would cost you an extra $100. If you don't need 21 months from account opening to get out of debt, you may want to look at more credit card reviews and pick a card with a lower balance transfer fee.

There's also a foreign transaction fee of 3%, which is another reason why this isn't the best card for long-term use. If you ever travel outside the United States, it's important to have a card you can use without any extra fees, like a travel credit card

What to know before applying

Wells Fargo Reflect® Card credit score

A FICO® Score of 670 or higher, which is considered good credit, is suggested to apply for the Wells Fargo Reflect® Card. Keep in mind that credit card applications depend on many factors, including your income and other parts of your financial profile.

Pre-approval process

Wells Fargo offers an online prequalification tool. All you need to do is provide some basic information, and you'll see any prequalified credit card offers you have with Wells Fargo, which may or may not include the Wells Fargo Reflect® Card.

Intro APR

The Wells Fargo Reflect® Card has a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Fees

Here are the fees for the Wells Fargo Reflect® Card:

  • Annual fee: $0
  • Balance transfer fee: 5%, min: $5
  • Cash advance fee: 5% ($10 minimum)
  • Foreign transaction fee: 3% of each transaction converted into U.S. dollars

Credit limit

The minimum credit limit on the Wells Fargo Reflect® Card is $1,000. It's possible to get a much larger amount -- some cardholders have reported being approved for limits of over $25,000. When you're approved for this card, Wells Fargo sets a credit limit based on several factors, primarily your income and credit history.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • It's not hard to get approved for the Wells Fargo Reflect® Card, but it depends on your credit score and your financial profile. A credit score of 670 or higher is recommended when applying to make it more likely that you qualify for the card.

  • The credit limit for the Wells Fargo Reflect® Card can range from $1,000 to over $10,000. Wells Fargo sets your credit limit when it approves you for the card based on your creditworthiness, income, and other financial information.

  • No, the Wells Fargo Reflect® Card doesn't have an annual fee.