The Wells Fargo Reflect card offers a 0% introductory APR for 18 months for both purchases and balance transfers. Balance transfers made within 120 days qualify for the introductory rate and fee. This card carries no annual fee.
Learn more and apply for the Wells Fargo Reflect Card – Open the Wells Fargo Reflect card and receive a 0% intro APR for 18 months from account opening. Introductory APR applies to all purchases and qualifying balance transfers made within 120 days. After your introductory APR, a normal variable APR applies.
Wells Fargo Reflect Card at a glance
Here’s what you need to know about the Wells Fargo Reflect card.
Use this card for:
- Transferring a balance to save on interest
- Cell phone plans – Receive cell phone insurance
Consider other cards for:
Use other cards for ongoing purchasing.
Consider a 2% cash back credit card for general spending or a grocery card for additional cash back on groceries. Also consider using a card with an extended warranty benefit for purchasing items with warranties.
Introductory APR offer
- 0% intro APR for 18 months from account opening on balance transfers made within 120 days
- Intro APR applies to purchases and balance transfers
- After introductory APR, a regular variable APR applies.
- Balance transfer fee: 3% (min. $5) for 120 days from account opening, then 5%, (min $5)
Benefit highlights
- Cellular telephone protection
- Car rental collision damage waiver (Primary coverage outside the U.S., secondary coverage within the U.S.)
Other important terms
- No annual fee
- 3% foreign transaction fee
Introductory 0% APR offer
New cardmembers receive a 0% intro APR for 18 months from account opening. This introductory APR applies to both purchases and qualifying balance transfers. With the Wells Fargo Reflect card, you can get an additional 3 months of 0% APR when you make on-time minimum payments during your introductory APR period.
Balance transfers made within 120 days qualify for the intro rate and fee. All balance transfers made within 120 days are subject to a 3% (min. $5) balance transfer fee. Balance transfers made after 120 days are charged a 5% (min. $5) balance transfer fee.
After the introductory period, a regular variable APR applies.
Learn more and apply for the Wells Fargo Reflect Card – Open the Wells Fargo Reflect card and receive a 0% intro APR for 18 months from account opening. Introductory APR applies to all purchases and qualifying balance transfers made within 120 days. After your introductory APR, a normal variable APR applies.
Wells Fargo Reflect Card rewards
The Wells Fargo Reflect Card does not offer rewards.
How to apply:
Learn more and apply for the Wells Fargo Reflect Card – Open the Wells Fargo Reflect card and receive a 0% intro APR for 18 months from account opening. Introductory APR applies to all purchases and qualifying balance transfers made within 120 days. After your introductory APR, a normal variable APR applies.
A few notes on applying for Wells Fargo credit cards
- 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.
- You can get a new customer welcome bonus on Wells Fargo cards multiple times.
- Wells Fargo typically wants you to have an account with them before they will approve you for credit cards. If you are interested in this card, but aren’t yet a Wells Fargo customer, the bank offers checking accounts that waive the monthly service fee when you keep a $500 balance.
- Wells Fargo allows you to check for pre-selected credit card offers on their website with no impact to your credit score.
- You can check your application status by calling 1-800-967-9521.
Should you keep the Wells Fargo Reflect card after the balance transfer?
The Wells Fargo Reflect Card has an annual fee of $0. Even if you don’t use the card, keeping it open and occasionally putting spending on a no-annual-fee credit card can help you build your credit. It can also help you maintain your relationship with Wells Fargo, allowing you to access other credit cards from the bank.
This card doesn’t earn any rewards. After you open this credit card and pay off your transferred balance, it’s probably a good idea to switch to a rewards card. Check out the Wells Fargo Autograph Card and the Wells Fargo Active Cash Card if you want no-annual-fee rewards cards from Wells Fargo. Also consider one of the best 2% cash back cards for a card that gives rewards on everyday spending. Alternatively, consider a card that offers rewards where you spend the most, like a gas or grocery store credit card.
Benefits of the Wells Fargo Reflect card
Here is a summary of the benefits offered with the Wells Fargo Reflect card.
| Benefit | Description | Important limitations |
|---|---|---|
| Cell phone protection | 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). Terms apply. Learn more about cell phone protection. | $600 per incident $25 deductible |
| Auto rental collision damage waiver | Covers theft, damage, valid loss-of-use charges imposed and substantiated by the rental company, administrative fees and reasonable and customary towing charges to the nearest qualified repair facility. | Coverage is secondary within the U.S. Coverage not available in Israel, Jamaica, the Republic of Ireland or Northern Ireland Maximum rental length: 15 days within the U.S., 31 days outside the U.S. |
