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The Wells Fargo Reflect® Card (Rates & Fees) is a solid option for anyone looking to pay down large credit card balances or finance a major purchase. With its introductory APR offer, you can avoid interest charges for an extended period, making it a strong choice for debt consolidation or interest-free spending.
- Apply Now to take advantage of this 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. 17.24%, 23.74%, or 28.99% 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.
While it doesn’t offer the very longest intro APR on the market, it’s still among the best available and includes a few perks you might not expect.
Here's everything you need to know about the Wells Fargo Reflect and how it's a great tool for saving on interest.
Page Contents
Wells Fargo Reflect Pros
- Long introductory APR period
- Cell phone protection benefit
- $0 annual fee
Wells Fargo Reflect Cons
- Does not earn points, miles, or cash back
- Limited benefits, and some come with added costs
Wells Fargo Reflect Welcome Offer
The Wells Fargo Reflect‘s welcome bonus is a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
How a 0% intro APR can benefit you
If you're wondering how a 0% intro APR can benefit you, let's look at an example. Say you need home repairs that will cost $5,000, but you're unable to pay that amount in full. If you were to put this on a card with a high APR, you could end up paying a significant amount in interest charges if you don’t pay your statement on time and in full.
In addition, that interest quickly wipes out the value of any rewards you might have earned, and it can also ding your credit score.
With the Wells Fargo Reflect, you can pay for that home repair over 21 months from account opening from account opening without any interest charges, as long as you make the minimum payment each month and pay off the full amount by the end of the intro period. That kind of flexibility can be invaluable when you need extra time to pay something off.
Wells Fargo Reflect Benefits
The Wells Fargo Reflect doesn’t offer a long list of perks, but the benefits it does have are pretty practical.
$0 annual fee
The Wells Fargo Reflect has a $0 annual fee. You can keep it in your wallet every year without paying for that privilege.
My Wells Fargo Deals
One of the lesser-known benefits of this card is access to My Wells Fargo Deals, which provides personalized offers from select retailers. After activating an offer and making a qualifying purchase, you'll earn cash back as a statement credit. The credit will post to your eligible card account within 60 days of the eligible transaction.
Cell phone protection
If you use this card to pay your monthly cell phone bill, you’ll receive built-in protection against theft or damage.
Coverage includes up to $600 per claim, with a $25 deductible. You’re allowed up to two claims in a 12-month period, with a total benefit cap of $1,200 per period. To be eligible, your bill must be charged to the Wells Fargo Reflect. Claims must be filed within 60 days of the incident through the insurer’s website.
Secondary auto rental insurance
The Wells Fargo Reflect provides secondary auto rental insurance, which can come in handy if your primary policy doesn’t fully cover the cost of damages. Coverage lasts for up to 15 consecutive days within the U.S. and includes protection against accidents, theft, vandalism, and natural disasters. You'll need to use this card to cover the cost of your rental to receive coverage.
Related: How To Get Rental Car Liability Insurance
Roadside dispatch
If your vehicle breaks down, the Wells Fargo Reflect gives you access to a 24/7 dispatch service that can arrange roadside help, including towing or a locksmith.
This isn’t a free benefit — you’ll pay for any services rendered — but it can be convenient if you don’t already have coverage through AAA or another roadside assistance program.
Related: Best Credit Cards for Free Roadside Assistance
Earning and Redeeming With the Wells Fargo Reflect
The Wells Fargo Reflect doesn’t earn points or cash back. Its primary value lies in the ability to make purchases or transfer balances and pay them off over time without interest during the introductory period.
If earning rewards is a priority, this card won’t be the right fit for you. It’s designed for saving on interest, not for collecting points or maximizing redemptions.
Application Restrictions and Strategy
Wells Fargo's terms and conditions have the following disclaimer:
“You may not qualify for an additional Wells Fargo Credit Card if you have opened a Wells Fargo Credit Card in the last 6 months.”
Beyond this, Wells Fargo is known to deny welcome bonuses to customers who have earned a bonus on another Wells Fargo card within the last 15 months. While that's not specifically stated in this card's terms, the restriction likely still applies to this introductory APR offer.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With the Wells Fargo Reflect
There are several other 0% introductory APR credit cards with no annual fee, so let's see how those compare to the Wells Fargo Reflect.
- If you want a welcome bonus on top of the other perks, consider the Blue Cash Everyday® Card from American Express. It has an introductory 0% on purchases for 15 months, then a variable rate of 20.24% - 29.24% - Rates & Fees. It also delivers a welcome offer of $200 back in statement credits after you spend $2,000 in purchases on your new Card within the first 6 months. Learn more in our Blue Cash Everyday review.
- If you want a welcome bonus, introductory APR, and a great return on spending, look into the Chase Freedom Unlimited®. You'll earn at least 1.5% cash back on all eligible purchases and get a 0% introductory APR on purchases for 15 months. Then, a variable rate of 18.99% - 28.49% will apply. View our Freedom Unlimited review for more details.
- If you want bonus earnings that adapt to you, the Citi Custom Cash® Card could be a winner. You can earn up to 5% cash back on purchases, on top of the card's 0% introductory APR offer for 15 months, then a Variable APR of 19.24% - 29.24%. More details are in our Citi Custom Cash review.
(Terms apply)
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
- 1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
Related: Best 0% APR Balance Transfer Credit Cards
Bottom Line
The Wells Fargo Reflect is a decent option for consumers needing some spending flexibility or who want to consolidate existing credit card debt to an interest-free option.
However, this card shouldn't be used to rack up credit card debt simply because it doesn't accrue interest for 21 months from account opening. As long as you use the card strategically for its 0% intro APR benefit, it can be a great way to save on annoying interest charges. But just keep in mind that if you want rewards for your spending, you'll have to look elsewhere.
- Apply Now to take advantage of this 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. 17.24%, 23.74%, or 28.99% 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.
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees), and Chase Freedom Unlimited® (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
