Wells Fargo Reflect® Card

Wells Fargo is an Experian Partner

Wells Fargo Reflect® Card
  • 0% Intro APR

  • No Annual Fee

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Good - Exceptional

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  • Annual fee

    $0

  • Intro APR

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

  • Ongoing APR

    15.99% - 27.99% variable APR

  • Ongoing Balance Transfer APR

    15.99% - 27.99% variable APR

  • Intro Bonus

    N/A

Card details:
  • 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. 15.99% to 27.99% 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
  • Matched For You are statements made by Experian and may not reflect Wells Fargo’s underwriting standards
Rates and fees
Pros:
  • Lengthy 0% intro APR period for purchases and qualifying balance transfers
  • Reduced balance transfer fee for first 120 days the card is open
  • $0 annual fee
Cons:
  • No ongoing cash rewards
  • Fee charged on foreign transactions

Experian Review:

Wells Fargo Reflect® Card Review: Finance New Purchases and Old Debt

The Wells Fargo Reflect® Card allows you to finance new purchases and complete balance transfers thanks to its generous intro APR periods.

Read full review

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.

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