{"id":90913,"date":"2025-04-26T18:10:01","date_gmt":"2025-04-26T18:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=90913"},"modified":"2026-03-17T22:49:57","modified_gmt":"2026-03-17T22:49:57","slug":"wells-fargo-reflect-card-review","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/wells-fargo-reflect-card\/","title":{"rendered":"Wells Fargo Reflect\u00ae Card Review: Lengthy Introductory APR Offer but No Rewards"},"content":{"rendered":"<p>The <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/a>  (<a data-ccid=\"4048269\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&subproduct_code=VV&FPID=013000IGF80000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) 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.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048269\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_39.jpg\" width=\"150\" alt=\"Wells Fargo Reflect\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Reflect\u00ae Card' data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048269\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&subproduct_code=VV&FPID=013000IGF80000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong> 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong> 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a class=\"active\" href=\"\" data-tab=\"hl\">Highlights<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Reflect<sup>\u00ae<\/sup> Card offers cardholders a lengthy introductory APR offer and practical protection benefits. It features one of the longest intro APR periods on the market, offering 0% intro APR for for 21 months from account opening on purchases and qualifying balance transfers. The card also includes Cellular Telephone Protection, covering up to $600 against cell phone damage or theft, subject to a $25 deductible. <\/div><div class=\"qs-tab-hl active\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/li><li>$0 annual fee.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><li>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. <\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WellsReflect\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-3daaea492#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>While it doesn\u2019t offer the very longest intro APR on the market, it\u2019s still among the best available and includes a few perks you might not expect.<\/p>\n<p>Here's everything you need to know about the Wells Fargo Reflect and how it's a great tool for saving on interest.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Wells_Fargo_Reflect_Pros\">Wells Fargo Reflect Pros<\/a><\/li><li><a href=\"#Wells_Fargo_Reflect_Cons\">Wells Fargo Reflect Cons<\/a><\/li><li><a href=\"#Wells_Fargo_Reflect_Welcome_Offer\">Wells Fargo Reflect Welcome Offer<\/a><ul><li><a href=\"#How_a_0_intro_APR_can_benefit_you\">How a 0% intro APR can benefit you<\/a><\/li><\/ul><\/li><li><a href=\"#Wells_Fargo_ReflectBenefits\">Wells Fargo Reflect\u00a0Benefits<\/a><ul><li><a href=\"#0_annual_fee\">$0 annual fee<\/a><\/li><li><a href=\"#My_Wells_Fargo_Deals\">My Wells Fargo Deals<\/a><\/li><li><a href=\"#Cell_phone_protection\">Cell phone protection<\/a><\/li><li><a href=\"#Secondary_auto_rental_insurance\">Secondary auto rental insurance<\/a><\/li><li><a href=\"#Roadside_dispatch\">Roadside dispatch<\/a><\/li><\/ul><\/li><li><a href=\"#Earning_and_Redeeming_With_the_Wells_Fargo_Reflect\">Earning and Redeeming With the Wells Fargo Reflect<\/a><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Wells_Fargo_Reflect\">Cards That Compete With the Wells Fargo Reflect<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Wells_Fargo_Reflect_Pros\">Wells Fargo Reflect Pros<\/span><\/h2>\n<ul>\n<li>Long introductory APR period<\/li>\n<li>Cell phone protection benefit<\/li>\n<li>$0 annual fee<\/li>\n<\/ul>\n<h2><span id=\"Wells_Fargo_Reflect_Cons\">Wells Fargo Reflect Cons<\/span><\/h2>\n<ul>\n<li>Does not earn points, miles, or cash back<\/li>\n<li>Limited benefits, and some come with added costs<\/li>\n<\/ul>\n<figure id=\"attachment_130371\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-130371 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured-300x240.png\" alt=\"a person sits at a table holding a credit card and reading info on a smart phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Anete-Lusina-Pexels-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Anete Lusina\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Wells_Fargo_Reflect_Welcome_Offer\">Wells Fargo Reflect Welcome Offer<\/span><\/h2>\n<p>The <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<\/a>&#8216;s welcome bonus is a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/p>\n<h3><span id=\"How_a_0_intro_APR_can_benefit_you\">How a 0% intro APR can benefit you<\/span><\/h3>\n<p>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\u2019t pay your statement on time and in full.<\/p>\n<p>In addition, that interest quickly wipes out the value of any rewards you might have earned, and it can also ding your <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">credit score<\/a>.<\/p>\n<p>With the Wells Fargo Reflect, you can pay for that home repair for 21 months from account opening without any interest charges\u00a0on purchases and qualifying balance transfers, 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.<\/p>\n<figure id=\"attachment_181433\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-181433 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Home-Repair-Featured-Annie-Gray-Unsplash.png\" alt=\"Two people working a circular saw indoors.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Home-Repair-Featured-Annie-Gray-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Home-Repair-Featured-Annie-Gray-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Home-Repair-Featured-Annie-Gray-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Home-Repair-Featured-Annie-Gray-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Annie Gray\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Wells_Fargo_ReflectBenefits\">Wells Fargo Reflect<strong>\u00a0<\/strong>Benefits<\/span><\/h2>\n<p>The Wells Fargo Reflect doesn\u2019t offer a long list of perks, but the benefits it does have are pretty practical.<\/p>\n<h3><span id=\"0_annual_fee\">$0 annual fee<\/span><\/h3>\n<p>The <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<\/a> has a $0 annual fee. You can keep it in your wallet every year without paying for that privilege.<\/p>\n<h3><span id=\"My_Wells_Fargo_Deals\">My Wells Fargo Deals<\/span><\/h3>\n<p>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.<\/p>\n<h3><span id=\"Cell_phone_protection\">Cell phone protection<\/span><\/h3>\n<p>If you use this card to pay your monthly cell phone bill, you\u2019ll receive <a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\" rel=\"noopener\">built-in protection<\/a> against theft or damage.<\/p>\n<p>Coverage includes up to $600 per claim, with a $25 deductible. You\u2019re 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 <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<\/a>. Claims must be filed within 60 days of the incident <a target=\"_blank\" href=\"https:\/\/mycardbenefits.assurant.com\" rel=\"noopener\">through the insurer\u2019s website<\/a>.<\/p>\n<h3><span id=\"Secondary_auto_rental_insurance\">Secondary auto rental insurance<\/span><\/h3>\n<p>The Wells Fargo Reflect provides secondary auto rental insurance, which can come in handy if your primary policy doesn\u2019t 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.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rental-car-liability-insurance\/\" rel=\"noopener\">How To Get Rental Car Liability Insurance<\/a><\/strong><\/p>\n<h3><span id=\"Roadside_dispatch\">Roadside dispatch<\/span><\/h3>\n<p>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.<\/p>\n<p>This isn\u2019t a free benefit \u2014 you\u2019ll pay for any services rendered \u2014 but it can be convenient if you don\u2019t already have coverage through AAA or another roadside assistance program.<\/p>\n<figure id=\"attachment_130376\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/528\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-130376 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Joshuer-Unsplash-tow-truck-in-snow-300x264.jpg\" alt=\"a driver operates a tow truck in the snow\" width=\"600\" height=\"528\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Joshuer-Unsplash-tow-truck-in-snow-300x264.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Joshuer-Unsplash-tow-truck-in-snow-768x676.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Joshuer-Unsplash-tow-truck-in-snow.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Joshuer\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/roadside-assistance\/\" rel=\"noopener\">Best Credit Cards for Free Roadside Assistance<\/a><\/strong><\/p>\n<h2><span id=\"Earning_and_Redeeming_With_the_Wells_Fargo_Reflect\">Earning and Redeeming With the Wells Fargo Reflect<\/span><\/h2>\n<p>The <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<\/a> doesn\u2019t 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.<\/p>\n<p>If earning rewards is a priority, this card won\u2019t be the right fit for you. It\u2019s designed for saving on interest, not for collecting points or maximizing redemptions.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>Wells Fargo's terms and conditions have the following disclaimer:<\/p>\n<blockquote><p><em>&#8220;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.&#8221;<\/em><\/p><\/blockquote>\n<p>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.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Wells_Fargo_Reflect\">Cards That Compete With the Wells Fargo Reflect<\/span><\/h2>\n<p>There are several other <a target=\"_blank\" href=\"\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">0% introductory APR credit cards with no annual fee<\/a>, so let's see how those compare to the <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<\/a>.<\/p>\n<ul>\n<li><strong>If you want a welcome bonus on top of the other perks,<\/strong> consider the <a data-ccid=\"4028086\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-blue-cash-everyday\/\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a>. It has an introductory 0% on purchases for 15 months, then a variable rate of 19.49% - 28.49% - <a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>. It also delivers a welcome offer of as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply. Learn more in our <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-cash-everyday\/\" rel=\"noopener\">Blue Cash Everyday review<\/a>.<\/li>\n<li><strong>If you want a welcome bonus, introductory APR, and a great return on spending, <\/strong>look into the <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=00c175e1a0534ec63ca9603ba5e22e757&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). 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 18.24% - 27.74% will apply. View our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\">Freedom Unlimited review<\/a> for more details.<\/li>\n<li><strong>If you want bonus earnings that adapt to you,<\/strong> the <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> 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 18.24% - 28.24%. More details are in <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\" rel=\"noopener\">our Citi Custom Cash review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/07\/BlueCashEveryday-CardArt-e1657816483860.png\" alt=\"Blue Cash Everyday\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nAs High As $200 Cash Back. Find Out Your Offer. You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Everyday\u00ae Card from American Express' data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>1% back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=00c175e1a0534ec63ca9603ba5e22e757&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048250\" href=\"\/blog\/link\/CR-CitiCustomCashCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Fair, Good, or Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">Best 0% APR Balance Transfer Credit Cards<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" rel=\"noopener nofollow sponsored\">Wells Fargo Reflect<\/a> is a decent option for consumers needing some spending flexibility or who want to consolidate existing credit card debt to an interest-free option.<\/p>\n<p>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 on purchases and qualifying balance transfers. 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.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048269\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_39.jpg\" width=\"150\" alt=\"Wells Fargo Reflect\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Reflect\u00ae Card' data-ccid=\"4048269\" href=\"\/blog\/link\/CR-WellsFargoReflectCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048269\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&subproduct_code=VV&FPID=013000IGF80000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong> 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Reflect<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong> 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><div class=\"qs-tab-wwl\">The Wells Fargo Reflect<sup>\u00ae<\/sup> Card offers cardholders a lengthy introductory APR offer and practical protection benefits. It features one of the longest intro APR periods on the market, offering 0% intro APR for for 21 months from account opening on purchases and qualifying balance transfers. The card also includes Cellular Telephone Protection, covering up to $600 against cell phone damage or theft, subject to a $25 deductible. <\/div><div class=\"qs-tab-hl\"><ul><li>Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li><li>0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.<\/li><li>$0 annual fee.<\/li><li>Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li><li>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. <\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WellsReflect\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-3daaea492#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Wells Fargo Reflect\u00ae Card is a solid option for a 0% intro APR credit card. It comes with great benefits like cell phone protection, secondary rental car insurance and roadside assistance, but it doesn&#8217;t offer any spending rewards like many other cards do. But is it a good fit for your wallet?<\/p>\n","protected":false},"author":97,"featured_media":130371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12781],"coauthors":[36469],"class_list":["post-90913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-wells-fargo"],"acf":[],"yoast_head":"<title>Wells Fargo Reflect\u00ae Card Detailed Review - 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