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The Wells Fargo Reflect® Card is one of the absolute best balance transfer credit cards if you're looking for a long intro APR on balance transfers and new purchases. It doesn't earn rewards, however, so you'll receive little value from the card after the interest-free period expires (which is followed by a 18.24%, 24.74%, 29.99% variable APR) unless you utilize its generous cell phone protection.
Wells Fargo Reflect Card Review: Is It the Best Credit Card for You?
Let's get the worst bit out of the way first: The Wells Fargo Reflect® Card earns no rewards for spending.
While competing 0% intro APR cards like the Citi® Double Cash Card (0% intro APR on balance transfers for 18 months, then a 19.24% - 29.24% Variable APR), Wells Fargo Active Cash® Card (0% intro APR on purchases and qualifying balance transfers for 15 months from account opening, then a 20.24%, 25.24%, or 29.99% variable APR), and Discover it® Cash Back (0% intro APR for 15 months on purchases and balance transfers, then a 17.24% - 28.24% Variable APR) offer a healthy return each time they're swiped, the Wells Fargo Reflect® Card atones for its rewards deficiency by offering one of the best introductory APR offers we've seen: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 18.24%, 24.74%, 29.99% variable APR. I'll explain why that's so rare.
The Wells Fargo Reflect® Card doesn't offer a slew of ongoing benefits (the only perk worth mentioning is its cell phone insurance worth up to $600 per claim). But because the card charges a $0 annual fee, you can freely keep it forever.
Here's why this card sits high on the 0% intro APR credit card food chain.
Wells Fargo Reflect Rewards
This card doesn't earn any rewards for your spending. It also currently does not offer a sign-up bonus. If you're interested in earning cash back, airline miles, or hotel points, you are not the Wells Fargo Reflect® Card's target audience.
The Reflect card is specifically for those who either want to pay down debt or have an imminent and sizable purchase they know they won't be able to pay off in a single billing cycle.
Plenty of cards exist that offer both an interest-free period and rewards for your purchases. However, the intro APR terms aren't quite as generous as the Wells Fargo Reflect® Card. For example, the Chase Freedom Flex℠ offers 0% intro APR on purchases and balance transfers for the first 15 months (then a 20.49% - 29.24% Variable APR). That's a much shorter 0% interest rate time frame than what's offered by the Wells Fargo Reflect — but the Chase Freedom® also earns up to 5% cash back on purchases.
Regardless of the 0% intro APR card you choose, remember that you'll still need to make the card's minimum payment each billing cycle. You won't accrue interest, but you must still make payments to keep the account in good standing.
Wells Fargo Reflect Card Interest Rate
The Reflect card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 18.24%, 24.74%, 29.99% variable APR. You must complete a balance transfer within 120 days of account opening to qualify for the intro 0% APR rate and will be charged a fee of 5% for each balance transfer (minimum of $5). That's one of the best intro APR offers on the market.
A 21-month intro balance transfer card offer isn't unheard of — you can find similar offers on cards like the Citi® Diamond Preferred® Card (regular APR of 18.24% - 28.99% Variable) and the Citi Simplicity® Card (regular APR of 19.24% - 29.99% Variable). But to offer the same terms for new purchases is incredible. You'll be hard-pressed to find any card that offers zero interest lasting more than 15 months for purchases. That's what makes this card stand above the others.
Wells Fargo Reflect Credit Score
You'll need at least a good credit score to be eligible for the Wells Fargo Reflect® Card. A good credit score is defined by FICO as any score of 670 and above.
This doesn't mean you'll automatically be denied if your score is lower than this — nor does it mean you'll be automatically approved if your score is within range. Banks do not reveal all the factors they consider when examining your application.
Wells Fargo Reflect Card Benefits and Features
Cell phone protection
The Wells Fargo Reflect® Card offers up to $600 of automatic cell phone protection when you pay your monthly phone bill with the card. You'll need to only pay a $25 deductible per claim. That's an abnormally low deductible among cards that offer cell phone insurance. Cards like the Ink Business Preferred® Credit Card demand a $100 deductible when you file a claim.
You can submit two claims per 12-month period. Just note that you aren't covered for phones that are lost.
Roadside dispatch
Reflect cardholders have access to a roadside dispatch hotline, which can arrange services like standard towing, tire changing, lockout service, and fuel delivery for a flat fee (currently $69.95). This could be handy if you don't otherwise have roadside assistance through AAA or your personal insurance policy.
Emergency cash disbursement and card replacement
If your Reflect card is lost, damaged, or stolen, you can get an emergency cash advance and have your card replaced within one to three days after contacting Visa Global Customer Care Services at 800-847-2911. All costs and expenses are the responsibility of the cardholder, including cash advance and interest fees.
No annual fee
The Wells Fargo Reflect® Card incurs a $0 annual fee. That means the card can help to cultivate a good credit score by bolstering the length of your credit history.
It's a good practice to spend on your cards every six months or so to ensure they aren't closed due to inactivity.
Wells Fargo Reflect Annual Fee and Other Costs
Though the Wells Fargo Reflect® Card doesn't come with an annual fee, there are other fees and charges to watch for. If you carry a balance on the card after the no-interest period, you'll be charged a 18.24%, 24.74%, 29.99% variable APR.
Other fees apply in certain circumstances, including:
- Foreign transaction fee (for international purchases, use one of the best credit cards with no foreign transaction fees instead)
- Balance transfer fee
Wells Fargo Reflect vs Active Cash and Autograph Card
Annual fee | $0 | $0 | $0 |
Rewards rate | N/A | 2% cash rewards on purchases | 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans 1 point per dollar on all other purchases |
Welcome bonus | N/A | $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening | 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening |
Card benefits | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 18.24%, 24.74%, 29.99% variable APR) Cell phone protection Emergency cash disbursement and card replacement Roadside dispatch | 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 20.24%, 25.24%, or 29.99% variable APR) Cell phone protection Visa Signature Concierge Roadside dispatch Travel and emergency assistance services Emergency cash disbursement and card replacement Access to the Visa Signature Hotel Collection | 0% intro APR on purchases for 12 months from account opening (then a 20.24%, 25.24%, or 29.99% variable APR) Cell phone protection Car rental insurance Emergency cash disbursement and card replacement Roadside dispatch Travel and emergency assistance services Visa Signature Concierge Visa Signature Luxury Hotel Collection No foreign transaction fees |
Review |
Wells Fargo Reflect vs Other 0% Intro APR Credit Cards
Citi® Diamond Preferred® Card | Citi Simplicity® Card | ||
Annual fee | $0 | $0 | $0 |
Rewards rate | N/A | N/A | N/A |
Welcome bonus | N/A | N/A | N/A |
Card benefits | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 18.24%, 24.74%, 29.99% variable APR) Cell phone protection Emergency cash disbursement and card replacement Roadside dispatch | 0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months (then a 18.24% - 28.99% Variable APR) Citi Entertainment benefits (special or early access to live events) | 0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months (then a 19.24% - 29.99% Variable APR) Free FICO score |
Review | Citi Diamond Preferred credit card review | Citi Simplicity card review |
Wells Fargo Reflect Frequently Asked Questions (FAQ)
With a $0 annual fee, you have nothing to lose by opening the Wells Fargo Reflect® Card. It's a good card if you're interested in a lengthy 0% APR offer for both purchases and balance transfers — or even just super cheap cell phone insurance.
The Wells Fargo Reflect® Card does not earn rewards. It's marketed for those who want an interest-free period on qualifying balance transfers and new purchases.
You can do a Wells Fargo balance transfer through your Wells Fargo online account, or by calling the number on the back of your card. You'll be asked for the creditor's name, account number, and balance transfer amount before you can complete the transfer. Be sure to make any balance transfer requests within 120 days of account opening to qualify for the card's introductory no-interest period.
The lowest credit limit you'll receive on the Wells Fargo Reflect card is $1,000. But, depending on your credit score, history, income, and relationship with Wells Fargo, your initial credit line could be much higher. If you've already had the card for at least six months and you're in good standing, you can call Wells Fargo at 800-642-4720 to request a credit limit increase.
If your Wells Fargo Reflect® Card is lost or stolen, you should immediately report it and request a replacement Wells Fargo card by calling 800-869-3557 (if you're outside the country, call collect at 925-825-7600). You can also request a replacement through your Wells Fargo online account, or by visiting www.wellsfargo.com/replacemycard. It typically takes 5 to 7 business days to receive a replacement in the mail.
Methodology: How we reviewed the Wells Fargo Reflect Card
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Insider assessed the Wells Fargo Reflect® Card in comparison to other cards that offer 0% interest on balance transfers and new purchases. We gave it high scores for the length of its interest-free period and lack of annual fee; however, because it doesn't earn rewards or offer a welcome bonus or strong benefits, we ranked it lower than intro APR cards like the Wells Fargo Active Cash® Card and Chase Freedom Unlimited®.
You can read more about Insider's methodology in our guide to how we rate credit cards.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
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