Wells Fargo Reflect Review

Stretch your budget with confidence—up to 21 months of 0% intro APR and zero annual fees.

The Wells Fargo Reflect Card delivers one of the longest 0% intro APR periods in the industry, empowering cardholders to handle big purchases or transfer balances without the stress of accumulating interest.

With no annual fee and extended interest-free time, it’s the ideal tool for people seeking control, clarity, and cost-efficiency in their credit strategy. Whether you’re paying off medical bills, consolidating balances, or planning a large expense, Reflect offers predictable savings, combined with enhanced protections and seamless digital tools—all from a name you trust.

Top Features of the Wells Fargo Reflect Card

Extended 0% Intro APR Offer

Reflect gives you up to 21 months of 0% introductory APR on both purchases and qualifying balance transfers (18 months + 3 months extension for timely minimum payments). This feature provides valuable time to manage repayments interest-free and rebalance your finances.

No Annual Fee – Always

No surprise charges. The Reflect Card comes with zero annual fee, letting you maximize savings from day one while simplifying your monthly budget.

Built-In Cell Phone Protection

Pay your mobile phone bill with your Reflect Card and receive coverage up to $600 against eligible theft or damage, subject to a modest $25 deductible. No registration required—just use the card and stay protected.

Personalized Cashback Offers with My Wells Fargo Deals

Receive tailored offers from top retailers and earn cash back automatically as statement credits when you activate and shop. It’s a rewarding way to stretch your spending even further.

Fraud Prevention with Zero Liability

Enjoy built-in peace of mind. You’ll never be held accountable for unauthorized transactions. Wells Fargo monitors your account and acts quickly to stop fraud at the source.

Real-Time Alerts and Digital Monitoring

Keep tabs on your account activity 24/7. With mobile alerts and detailed transaction tracking through the Wells Fargo app, you can spot issues early and make informed financial decisions.

Tap-to-Pay Convenience

Speed up your checkout with the card’s built-in contactless technology. Just tap your card at terminals with the contactless symbol for fast and secure payment, without swipes or PINs.

Autopay and Due Date Flexibility

Avoid late fees by enrolling in automatic payments or adjusting your due date to fit your pay cycle. These tools make on-time payment easier and help preserve your credit score.

Balance Transfer Option

You can transfer balances from high-interest credit cards and take advantage of the long 0% intro APR period. A 5% balance transfer fee applies ($5 minimum), but many users find the savings outweigh the cost.

Free FICO Score Access

Monitor your credit health at no extra cost. Your monthly FICO Score is provided through Wells Fargo’s digital tools, helping you track your progress and plan strategically.

Who is eligible?

• The Reflect Card is best suited for individuals who:
• Have good to excellent credit
• Want to avoid high interest while managing larger balances
• Prefer low-maintenance credit options with strong mobile access
• You must be a legal U.S. resident, at least 18 years of age, and meet Wells Fargo’s income and credit criteria to qualify.

How to Apply for the Reflect Card

The application process is simple and streamlined. Here’s what to do:

• Go to the Wells Fargo Reflect Card official page.
• Select “Apply Now” to begin.
• Complete your personal and financial details.
• Submit the application and wait for a quick decision.
• If approved, your new card will arrive by mail shortly.

Common Questions About the Reflect Card

What is the intro APR offer?

You’ll get 0% introductory APR for 18 months from account opening on purchases and qualifying balance transfers. Make on-time minimum payments and you may extend that offer by 3 more months—up to 21 months total.

Is there an annual fee?

No. The Reflect Card comes with no annual fee, helping you keep costs low.

What does cell phone protection cover?

If you pay your wireless bill with the card, you’re covered for up to $600 (per claim, up to two claims per 12-month period) against damage or theft, minus a $25 deductible.

What fees apply to balance transfers?

There’s a balance transfer fee of 5% (minimum $5). Still, the long 0% intro APR often makes this option worthwhile for consolidation.

Do I need excellent credit to apply?

A good credit score (typically 670+) improves your chances of approval, but other factors like income and existing obligations are also considered.