Wells Fargo Reflect^® Card Review [2025]: Take a Nice, Long Break From Interest Payments

Card basics

Who should get the Wells Fargo Reflect^® Card?

I'd strongly recommend the Wells Fargo Reflect^® Card to anyone who can take advantage of one or both of the introductory APR offers, which is what sets this card apart.

You want to make a balance transfer

The Wells Fargo Reflect may be right for you if one of your biggest goals right now is to pay down debt. Using this card for a balance transfer would be smart considering how long its intro APR offer is for this.

As someone who has paid off high-interest credit card debt in the past, I know how transferring it to a card offering an intro APR on balance transfers can boost your payoff goals.

You can relax knowing almost every dollar you put in each month goes straight to reducing your debt, rather than paying off interest. Do consider the 5%, min: $5 balance transfer fee, though, and make sure it still makes financial sense for you to move over debt from another card to the Wells Fargo Reflect.

You need to make a big purchase (but you can't pay for it right now)

Beyond managing debt, you should consider the Reflect card if you're looking for ways to finance a large purchase. Did all your kitchen appliances fail at once? Think you may as well get new cabinets put in while you're at it? You can put those expenses on the Reflect and work to pay them down over the course of the intro APR period without having to fight against interest as you go.

For instance, I'd suggest the card for my brother-in-law, who's making significant home renovations. I know he has other credit cards that earn rewards, and he's been responsible enough with his credit to meet recommended credit requirements. But if he put some of those home improvement purchases (like the new door he just bought) on this card, he could ease some of the stress I know has been on his budget.

Wells Fargo's banking products are also something to consider if you like to keep all your finances in one place.

You already have at least one great rewards card

We've said it once and we'll say it again: The Wells Fargo Reflect doesn't earn rewards in any way. This is its biggest disadvantage and the reason more people won't apply for it. But if you want to avoid interest and you already have a rewards credit card earning cash back or points on your spending, that won't matter as much, and this card could still be a fit for you.

Who we wouldn't recommend the Wells Fargo Reflect for

The Wells Fargo Reflect Card may be the best option for many people, but it has its downsides. We wouldn't suggest the card for you if any of the following are true.

You want to earn rewards

If you're looking for an additional way to capitalize on spending with a rewards program, you should pass on this card. It doesn't include any programs for earning cash back, miles, or points.

There's also no welcome bonus you can work towards either. A lack of rewards is something to keep in mind, even past the introductory period for qualifying balance transfers and purchases. The card may not have ongoing value once these introductory offers expire.

One example of a card offering a rewards structure combined with a longer introductory offer is the Wells Fargo Active Cash^® Card. It has a 0% intro APR on new purchases for 12 months from account opening (then 18.74%, 24.74%, or 28.74% Variable APR), and you can also earn unlimited 2% cash rewards on purchases.

You need a card you can travel with

In addition to a lack of travel rewards, the Wells Fargo Reflect Card charges a 3% foreign transaction fee. This pesky fee occurs whenever you use the card for purchases outside the U.S., no matter the amount. If you need a credit card for travel, you would be better off with one that doesn't have a foreign transaction fee.

You need more bells and whistles

While cell phone protection, access to roadside assistance, and My Wells Fargo Deals offer some value, they may not be enough.

Other credit cards provide perks such as extended warranty protection, return and price protection, and trip insurance (among others). I would encourage you to consider the card's long-term value once you've taken advantage of the introductory offers.

Wells Fargo Reflect benefits:

• Intro balance transfer APR and purchase APR: As mentioned, the Wells Fargo Reflect comes with one of the longest promotional APRs available, which could help you accelerate your high-interest credit card debt payoff or finance a big purchase without paying interest.
• $0 annual fee: The Wells Fargo Reflect has a $0 annual fee, which means you don't have any yearly cost to offset, making it more cost-effective.
• Cell phone protection: If you pay your eligible monthly cell phone bill with this card, you receive protection for any phones on that plan. This acts like cell phone insurance and covers against damage or theft for up to $600 per claim, with a $25 deductible. For other cards with similar benefits, check out our list of the best credit cards for paying your cell phone bill.
• Roadside dispatch: Cardholders receive access to a pay-per-use roadside assistance program. The program provides towing, tire changing, lockout service, fuel delivery, and more.
• My Wells Fargo Deals: Cardholders can access discounts from various retailers and merchants. You do have to activate the deals and use your Wells Fargo credit card to receive statement credits through this program, but there is no cost to use it, and it's an easy way to save a little money.

Extra Long Intro APR on Purchases & Qualifying Balance Transfers

Wells Fargo Reflect^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wells Fargo Reflect^® Card

Apply Now

Rates and fees

Current Offer

Benefit from a long introductory APR period on purchases and qualifying balance transfers

Annual Fee

$0

Benefits and Drawbacks

Benefits

• 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.74%, 24.24%, or 28.49% Variable APR
• Up to $600 Cell phone protection when you pay for the cell phone with your card (subject to a $25 deductible)
• $0 annual fee

Drawbacks

• 3% foreign transaction fee
• 5%, min: $5 balance transfer fee
• Limited list of card perks

Card Details

• 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. 17.74%, 24.24%, or 28.49% 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.

Best Wells Fargo Reflect alternative

Citi Double Cash^® Card

For those looking for both a balance transfer offer and a rewards structure, then take a look at the Citi Double Cash^® Card(Rates and fees). With this card, you get a 0% intro APR on balance transfers for 18 months, and then 17.74% - 27.74% (Variable).

It's often considered one of the best cashback credit cards available because it offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel, which easily beats the lack of rewards on the Wells Fargo Reflect.

For more details, check out our Citi Double Cash Card review.

Earn Cash Back Twice

Citi Double Cash^® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Citi Double Cash^® Card

Apply Now

Rates and fees

Current Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back

Annual Fee

$0

Rewards Rate

2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel

Benefits and Drawbacks

Benefits

• Simple flat-rate cash back on all your purchases
• 0% intro APR on balance transfers for 18 months, then 17.74% - 27.74% (Variable) APR
• No annual fee

Drawbacks

• 3% foreign transaction fee for international purchases
• No introductory APR on purchases

Card Details

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

FAQs

Bottom line

The Wells Fargo Reflect^® Card's strength lies in its marquee benefit: a lengthy intro APR period on qualifying balance transfers and purchases. Its cell phone protection and roadside assistance perks are nice, but aren't significant enough to justify taking up space in your wallet if you're not taking advantage of that APR intro offer.

However, it lacks a welcome bonus and rewards program and charges a foreign transaction fee, making it less attractive for travelers. To explore travel-friendly options, check out our list of the best credit cards with no foreign transaction fees.

Extra Long Intro APR on Purchases & Qualifying Balance Transfers

Wells Fargo Reflect^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wells Fargo Reflect^® Card

Apply Now

Rates and fees

Current Offer

Benefit from a long introductory APR period on purchases and qualifying balance transfers

Annual Fee

$0

Benefits and Drawbacks

Benefits

• 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.74%, 24.24%, or 28.49% Variable APR
• Up to $600 Cell phone protection when you pay for the cell phone with your card (subject to a $25 deductible)
• $0 annual fee

Drawbacks

• 3% foreign transaction fee
• 5%, min: $5 balance transfer fee
• Limited list of card perks

Card Details

• 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. 17.74%, 24.24%, or 28.49% 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.