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
17.24% - 29.24% Variable APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers
17.24% - 29.24% 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 for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% 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
17.24% - 29.24% Variable APR
0% intro APR for up to 21 months from account opening on qualifying balance transfers
17.24% - 29.24% 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 for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% 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 against damage or theft 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 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.
  • 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

Overview

If you’re anticipating a large purchase or have existing credit card debt, you can leverage the Wells Fargo Reflect’s credit card 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 minimum payments in the introductory period. After the introductory period, you’ll face a variable APR of 17.24% to 29.24%, 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 welcome 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 against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.

Frequently asked questions

  • How long does it take to get the Wells Fargo Reflect Card?

    After your application is approved, expect your card in the mail within seven to ten business days. 

  • Do you have to pay foreign transaction fees with this card?

    Yes, there is a foreign transaction fee of 3% when you pay with the Wells Fargo Reflect.