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Wells Fargo Reflect® Card See Rates & Fees
Partner Offer

Wells Fargo Reflect® Card

Our rating:4.2 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.

Good to Excellent credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Balance Transfers Intro APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Purchases Intro APR
0% intro APR for 21 months from account opening
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
Annual Fee


  • 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.


  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • Excellent Credit
    Excellent Credit
  • Good Credit
    Good Credit

Staff Review

Editor's Rating:

4.2 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.