Best for financing credit card debt

The Wells Fargo Reflect Card comes with one of the longest introductory APR offers we’ve seen on the market to help you refinance and reduce your debt.
(Partner Offer)

At a glance

no offer
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Refer to Important Credit Terms
13.74% - 25.74% Variable APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers
13.74% - 25.74% Variable APR
0% intro APR for up to 21 months from account opening
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  • 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. 13.74% to 25.74% 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

At a glance

no offer
no offer
None
Refer to Important Credit Terms
13.74% - 25.74% Variable APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers
13.74% - 25.74% Variable APR
0% intro APR for up to 21 months from account opening
$0
  • 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. 13.74% to 25.74% 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
Apply now for Wells Fargo Reflect℠ Card at Wells Fargo's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

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3.5/5

Overview

If you’re anticipating a large purchase or have existing credit card debt, you can leverage the Wells Fargo Reflect’s refinancing offer. There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 18 months from account opening, with the potential of an extension of up to three months, given that you make on-time payments in the introductory and extension period. After the introductory period, you’ll face a variable APR of 13.74% to 25.74%, depending on your creditworthiness.

Pros

  • No annual fee.
  • Introductory APR offer of 18 months with the potential to extend up to three months.
  • Cell phone protection.

Cons

  • No points or cash rewards earning potential.
  • No sign-up bonus.

Who is this card good for?

This card is a great choice for those who are looking to avoid paying interest through a terrific introductory APR offer.

Earning Rewards

There are no rewards, although this card comes with up to $600 in cell phone protection if you use it to pay your monthly bill, subject to a $25 deductible.

Frequently asked questions