Wells Fargo Reflect® Card

Wells Fargo is an Experian Partner

Wells Fargo Reflect® Card logo.

Wells Fargo Reflect® Card

Rated 4.6 out of 5 stars, 264 reviews

Recommended FICO® ScoreΘ

Good - Exceptional

Annual Fee:

$0

Intro APR:

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Ongoing APR:

18.24%, 24.74%, or 29.99% Variable APR

Ongoing Balance Transfer APR:

18.24%, 24.74%, or 29.99% Variable APR

Intro Bonus:

N/A

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. 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.
  • Lengthy 0% intro APR period for purchases and qualifying balance transfers

  • Zero liability for unauthorized purchases

  • No annual fee

  • No ongoing cash rewards

  • Foreign currency conversion fees

  • High balance transfer fee

See all Wells Fargo‘s offers

Review Snapshot

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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