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Wells Fargo Reflect℠ Card See Rates & Fees
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Wells Fargo Reflect℠ Card

Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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Balance Transfers Intro APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers
Purchases Intro APR
0% intro APR for up to 21 months from account opening
Regular APR
12.99%-24.99% Variable APR
Annual Fee


  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
  • $0 Annual Fee
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
  • Select “Apply Now” to learn more about the product features, terms and conditions

Staff Review

Editor's Rating:

4.1 out of 5

Our take: Boasting one of the longest intro APR periods on the market, the Wells Fargo Reflect card could be a life-saver if you're ready to chip away at high-interest debt. See rates and fees

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.