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

Card basics

Who should get the Wells Fargo Reflect?

The introductory offer is what makes the Wells Fargo Reflect Card stand out among its competitors. It could be valuable if your financial goals include paying down debt or budgeting for a larger purchase.

You have an upcoming large purchase

Since the card offers an introductory APR on purchases — one of the longest offers in the marketplace — it is a more affordable option when planning a large purchase.

This is an ideal scenario for anyone who is watching their budget. We all know how often emergency expenses can come up — the dishwasher stops working, your car needs new tires, you face a medical mishap — and these can wreak havoc on a budget if you can’t cover the expense right away. With a long introductory offer like this, though, you can spread the payments out and potentially avoid paying interest.

You have high-interest credit card debt

High interest payments can derail your efforts, or at least make it take longer, for anyone trying to pay off credit card debt. 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. 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 credit card to the Wells Fargo Reflect Card.

You’re focused on avoiding interest – and not gaining rewards

If your main financial goal is paying off a large purchase or high-interest credit card debt, and you’re not interested in complicated rewards programs, this card may be for you.

Because there’s no rewards program, which means no cash back earnings or earning miles and points, you can completely focus on your monthly payment instead of chasing a reward.

Who should skip the Wells Fargo Reflect

The Wells Fargo Reflect Card may be effective for some financial goals, but it is not suitable for everyone.

You prefer a rewards structure

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 15 months from account opening from account opening (then 20.24%, 25.24%, or 29.99% 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 use your credit card for foreign travel, you can add an additional 3%, quickly ballooning your expenses out of control. If you need a credit card for travel, you would be better off with a travel card without 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.

Here's a closer look at the card's top benefits:

• Intro balance transfer APR and purchase APR: As mentioned above, this card 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.

Wells Fargo Reflect Card FAQ

Other cards to consider

Although the Wells Fargo Reflect provides some compelling features, you might prefer a card with a better lineup of perks or a robust rewards program for every dollar you spend. For options from other card issuers, consider the Chase Slate Edge℠ and Citi Double Cash^® Card.

Chase Slate Edge℠

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, offering an introductory APR on balance transfers (and purchases, too). 

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.

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. With this card, you get a 0% intro APR on balance transfers for 18 months, and then 19.24% - 29.24% (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, 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, which easily beats the lack of rewards on the Wells Fargo Reflect.

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

Bottom line

The Wells Fargo Reflect^® Card offers various benefits that make it worthwhile. This includes intro APRs on qualifying balance transfers and purchases, cell phone protection, and access to roadside assistance.

Additionally, if you are approved 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.

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

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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 on qualifying balance transfers for 21 months from account opening on qualifying balance transfers, then 18.24%, 24.74%, or 29.99% Variable APR
• Up to $600 Cell phone protection when you pay for the cell phone with your card
• $0 annual fee
• The ongoing APR may still be competitive compared to other cards

Drawbacks

• No rewards for spending
• 3% foreign transaction fee
• 5%, min: $5 balance transfer fee
• Limited list of card perks

Card Details

• 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. 18.24%, 24.74%, or 29.99% 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.