Wells Fargo Reflect® Card Review [2024]: Your New 0% Intro APR Card?

CREDIT CARDS - 0% APR CREDIT CARDS
The Wells Fargo Reflect Card offers low introductory APR promotions for both balance transfers and purchases. But is it the right card for you?
Updated June 11, 2024
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The Wells Fargo Reflect® Card is a helpful credit card thanks to its introductory annual percentage rate (APR) on qualifying balance transfers and purchases. The card’s low intro APR could assist you in managing an existing debt and potentially reduce its cost. Plus, you pay a $0 annual fee to keep the Wells Fargo Reflect year after year.

In this Wells Fargo Reflect Card review, we dig into the card’s details to see what value it could offer as well as its potential drawbacks. See whether the Wells Fargo Reflect might make sense for you or if you should explore other options.

Extra Long Intro APR on Purchases & Qualifying Balance Transfers

4.9

Wells Fargo Reflect® Card

Current Offer

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

Annual Fee

$0

Benefits and Drawbacks
Card Details

In this Wells Fargo Reflect Card review

Key takeaways

  • The Wells Fargo Reflect® Card offers 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18.24%, 24.74%, or 29.99% Variable APR.
  • On purchases, this card offers 0% intro APR for 21 months from account opening, then 18.24%, 24.74%, or 29.99% Variable APR.
  • The Wells Fargo Reflect charges a $0 annual fee, making it a cost-effective credit card.
  • The Wells Fargo Reflect Card offers additional benefits such as cell phone protection and roadside dispatch.
  • The downside of the Wells Fargo Reflect is that it doesn’t enable you to earn rewards or a welcome bonus.

Who should get the Wells Fargo Reflect Card?

The primary benefits of the Wells Fargo Reflect Card are its promotional annual percentage rate offers. You get a 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18.24%, 24.74%, or 29.99% Variable APR. You also get a 0% intro APR on purchases for 21 months from account opening, then 18.24%, 24.74%, or 29.99% Variable APR.

Apart from this, the Wells Fargo Reflect offers cell phone protection and roadside dispatch benefits. But it’s not a rewards credit card and there’s no welcome bonus. As such, this card isn’t designed to help you earn rewards or travel more efficiently (it also charges a foreign transaction fee). In addition, you will typically need good or excellent credit to qualify.

Overall, this is a solid 0% APR credit card that could help you manage your personal finances. It could be useful if you want to transfer some existing high-interest debt or if you have big purchases coming up and you want to avoid paying an interest rate on them for a while. If you want to do a balance transfer, be sure to consider how much the balance transfer fee might cost versus how much you stand to save in interest.

Card basics

Card type Balance transfer
Credit card issuer Wells Fargo
Credit card network Visa
Annual fee $0
Recommended credit score Good, Excellent
Intro APR 0% intro APR for 21 months from account opening on qualifying balance transfers, then 18.24%, 24.74%, or 29.99% Variable APR

0% intro APR on purchases for 21 months from account opening, then 18.24%, 24.74%, or 29.99% Variable APR
Foreign transaction fee 3%

Why we like the Wells Fargo Reflect Card: benefits and perks

  • Intro balance transfer APR and purchase APR: As mentioned above, this card comes with long promotional APRs that could help you pay off debt 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.
  • Cell phone protection: If you pay your eligible monthly cell phone bill with this card, you receive cell phone 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 can provide assistance such as towing, tire changing, lockout service, fuel delivery, and more.
  • My Wells Fargo Deals: Cardholders can access discounts from a variety of 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.

What we don't like about the Wells Fargo Reflect Card: Drawbacks

  • No welcome bonus: Many credit cards offer a welcome bonus when you first qualify for the card and complete a spending requirement after account opening. These bonuses can be highly valuable, sometimes worth hundreds of dollars or more. This card doesn’t provide a welcome bonus.
  • No rewards: If you compare credit cards, many popular cards provide rewards when you use them to make purchases. These could come in the form of miles, points, or cash rewards. The Wells Fargo Reflect isn’t part of a rewards program and doesn’t offer any rewards for any new purchases you make.
  • Foreign transaction fee: You have to pay 3% when making purchases abroad. Because of this foreign transaction fee, the Wells Fargo Reflect isn’t well-suited for travelers. For card options without foreign transaction fees, check out our list of the best travel credit cards.

Wells Fargo Reflect Card FAQ

Is the Wells Fargo Reflect Card worth it?

The Wells Fargo Reflect® Card could be worth it if you want to help avoid paying high interest charges on existing credit card debt or upcoming large purchases. The Wells Fargo Reflect has a 0% intro APR offer for 21 months from account opening on qualifying balance transfers, after that your balance is subject to the ongoing APR of 18.24%, 24.74%, or 29.99% Variable. For purchases, it offers a 0% intro APR for 21 months from account opening, after that your balance is subject to the regular APR of 18.24%, 24.74%, or 29.99% Variable.

What credit score do you need for the Wells Fargo Reflect Card?

You typically need a good or excellent credit score to qualify for the Wells Fargo Reflect Card. You would likely need a FICO score of at least 670 or a VantageScore of at least 661 to be approved for this card. Wells Fargo might take other creditworthiness factors into consideration as well.

Which credit bureau does Wells Fargo pull from?

Wells Fargo often pulls from one of the three major credit bureaus, which includes Equifax, Experian, and TransUnion. The specific credit bureau being used during an inquiry might depend on your location when applying for a Wells Fargo credit product.

Other cards to consider

Although the Wells Fargo Reflect provides some compelling features, it might not be the right fit for everyone. For options from other card issuers, consider the Chase Slate Edge℠ and Citi Double Cash® Card.

The Chase Slate Edge℠ is a balance transfer card, similar to the Wells Fargo Reflect, which means you benefit from low intro APR offers. The Chase Slate Edge is one of the best balance transfer credit cards. Additional benefits include purchase protection, extended warranty protection, auto rental collision damage waiver, and roadside dispatch.

For more details, check out our Chase Slate Edge review.

The Citi Double Cash® Card is often considered one of the best cashback credit cards available. 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. This easily beats the lack of rewards on the Wells Fargo Reflect. In addition, you also get a 0% intro APR on balance transfers for 18 months, and then 19.24% - 29.24% (Variable).

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

Extra Long Intro APR on Purchases & Qualifying Balance Transfers

4.9

Wells Fargo Reflect® Card

Why We Like It

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

See how these cards compare:

Citi Double Cash® Card
Citi Double Cash® Card
  • Simple flat-rate cash back on all your purchases
  • 0% intro APR on balance transfers for 18 months, then 19.24% - 29.24% (Variable) APR
  • No annual fee
  • Rates and fees

Wells Fargo Reflect: bottom line

The Wells Fargo Reflect® Card offer various benefits that make it worthwhile. This includes intro APRs on qualifying balance transfers and purchases, purchase protection, and roadside assistance.

Additionally, if you qualify for this credit card, you’d pay an annual fee of $0. The annual fee makes this card easy to keep year after year.

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.

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.