March 15, 2025: The Wells Fargo Reflect® Card is a balance transfer credit card that typically offers one of the longer 0% balance transfer offers available. We like the card as a tool to help you reduce interest on debt
Our review of the Wells Fargo Reflect® Card
Cards and Points Rating: 4.0/5.0
Read more about our star ratings.
The Wells Fargo Reflect® Card is a balance transfer credit card with a long introductory 0% APR, which can be a great choice if you’re looking for a way to save on interest charges by transferring your existing credit card debt.
The introductory APR applies to both purchases and balance transfers, which we think is an essential feature of any balance transfer credit card. That means you can use the card for your ongoing spending while you’re paying down your debt. The card doesn’t have any rewards, or many substantive benefits, so we don’t think that there’s really a reason to use the card after you’ve paid off your balances.
While the balance transfer fee is on the high side, it is competitive with other cards having such a long introductory APR. We think that the card is a good choice if you want a balance transfer credit card with a long introductory APR.
Likes
- Long introductory 0% APR.
- Introductory APR applies to purchases and balance transfers.
- $0 annual fee.
Dislikes
- High balance transfer fee.
- No useful ongoing rewards.
- Few substantive benefits.
Wells Fargo Reflect® Card at a glance
Annual fee: annual_fees
Foreign transaction fee:
The Wells Fargo Reflect® Card is a balance transfer credit card offering a long 0% introductory APR on purchases and balance transfers.
Balance Transfer Offer
Balance Transfer Offer: bonus_miles_full
Balance Transfer Fee: balance_transfer_fees
Regular APR: reg_apr,reg_apr_type
Benefits
- Cellular Telephone Protection.
- Auto Rental Collision Damage Waiver.
- Roadside Dispatch®.
Rewards: No rewards
The Wells Fargo Reflect card does not offer any rewards.
Benefits: Very limited set of benefits
The Wells Fargo Reflect® Card offers an extremely limited set of card benefits. Here are the benefits you’ll get with the card:
- Auto Rental Collision Damage Waiver covers damage to a rental car that you rent with the card. Coverage is secondary within the United States.
- Cellular Telephone Protection can cover the cost to repair or replace your cell phone when you pay for your monthly cell phone bill with your card. Coverage is limited to $600 per claim and two claims per 12 month period, with a $25 deductible.
- Roadside Dispatch can provide various roadside services for a set, pre-negotiated fee. All fees for services provided are the responsibility of the cardmember.
Is the Wells Fargo Reflect® Card right for you?
The Wells Fargo Reflect® Card can be a good choice if you need a card with a low introductory balance transfer APR to consolidate and manage debt.
- You are currently paying interest on credit card debt. If you are currently paying interest on your credit card debt, the Wells Fargo Reflect’s introductory APR can give you a tool to save on interest payments.
- You have a plan to pay down your credit card debt. Transferring your credit card debit to a balance transfer credit card won’t eliminate the debt, but it will grant you a break from interest payments so that you can make more progress on paying down your debt.
- You need a long 0% APR period. Other cards with shorter APRs may offer lower balance transfer fees or provide a card that offers useful rewards after you are done paying off your debt.
Bottom line: A good choice for a 0% introductory APR
The Wells Fargo Reflect® Card offers one of the longest 0% introductory APRs available, making it a decent choice as a tool to consolidate and manage your high interest debt.
