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Is the Wells Fargo Reflect worth it?

We’ve analyzed the card’s pros and cons to determine what type of cardholder would benefit from it the most


The Wells Fargo Reflect Card boasts some of the best 0% APR offers – but is it the right choice for you?

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The Wells Fargo Reflect® Card comes with one of the longest 0% APR offers on balance transfers and purchases. The card can be a fantastic money saver if you’re looking to avoid interest on a big purchase or existing credit card debt.

At the same time, the Wells Fargo Reflect isn’t an ideal choice for everyone. It’s light on benefits and doesn’t earn any rewards. For many potential cardholders, it may make sense to look into other cards.

Read on to learn when the Wells Fargo Reflect is worth it and when you might be better off applying for a different credit card.

When is the Wells Fargo Reflect Card worth it?

The Wells Fargo Reflect offers a generous no-interest period on both purchases and balance transfers, meaning the card is an excellent choice in at least two situations.

When you’re planning a big purchase

The Wells Fargo Reflects offers a 0% intro APR of up to 21 months on purchases (15.24% to 27.24% variable APR thereafter). You start with 18 months of a 0% APR, and if you make minimum payments on time during the intro and extension period, you get another three months without interest. Currently, this is one of the longest 0% intro offers on purchases from a top issuer.

The card can save you a significant sum of money on interest when financing a large purchase. It’s a perfect solution when you need as much time as you can get to spread out payments.

When you’re consolidating credit card debt

High interest rates make credit card debt incredibly expensive. Moving your credit card balances to a balance transfer card can help you eliminate such debt while saving on costly interest charges.

The Wells Fargo Reflect provides one of the best 0% intro APR offers on qualifying balance transfers. Similar to its no-interest offer on purchases, the card gets you 18 months of a 0% intro APR on qualifying balance transfers and another three months if you make on-time minimum payments during the intro and extension period (15.24% to 27.24% variable APR thereafter).

If you’re interested in credit card debt consolidation and need a long no-interest period to make it successful, the Wells Fargo Reflect is worth looking into.

See related: How to transfer a balance to a Wells Fargo credit card

When is the Wells Fargo Reflect Card not worth it?

While the Wells Fargo Reflect is one of the top cards in its space, it’s not a perfect choice for everyone. Here are some situations when the card may not be worth it.

When you want ongoing value

The Wells Fargo Reflect is an excellent card when used to serve a specific goal: debt consolidation or financing a large purchase.

Outside of that, the card has very little to offer. The Wells Fargo Reflect doesn’t earn any rewards, and its benefits leave a lot to be desired. After the promotional period ends, you’ll probably want to do a product change or apply for another card.

You can earn rewards with a balance transfer card or find a rewards credit card with a lengthy 0% APR on purchases. For example, the Chase Freedom Unlimited – one of the most popular cash back credit cards – has a 15-month 0% intro APR on both balance transfers and purchases (followed by a variable APR of 16.49 to 25.24%).

When you need a card to travel with internationally

If you’re looking for a credit card to splurge on a vacation outside of the U.S. and pay off travel expenses later, the Wells Fargo Reflect may not be a good choice. The card comes with a 3% foreign transaction fee, which can add up rather quickly.

Travel credit cards with a 0% APR offer are rare, but as an option, you can look into the Discover it® Miles, which offers an intro 0% APR on purchases and balance transfers for 15 months (13.49% to 24.49% variable APR thereafter).

Should you get the Wells Fargo Reflect Card?

If you’re looking to consolidate a large amount of credit card debt or finance a big purchase, the Wells Fargo Reflect is one of the best offers you’ll be able to find in the current market. The card’s no-interest offer is highly generous and will provide you with plenty of time to pay down your balance while avoiding interest.

On the other hand, the Wells Fargo Reflect doesn’t have much to offer beyond the 0% APR promotion. You’ll earn no rewards with the card, and the list of benefits is rather slim. Plus, it’s not the best card to take on an international trip since it charges foreign transaction fees.

Bottom line

While no card is the perfect choice for everyone, the Wells Fargo Reflect is one of the top credit card products when it comes to no-interest intro offers.

If you’ve considered the pros and cons and have decided that the Wells Fargo Reflect is worth it for you, make sure you meet the card’s credit score requirements before applying. You can also check CardMatch to see credit card offers matched to your credit profile. Checking your offers has no impact on your credit score, and you’ll only see cards you have the best chance to qualify for.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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