Wells Fargo Reflect℠ Card

Wells Fargo is an Experian Partner

Wells Fargo Reflect℠ Card Apply Now
  • 0% Intro APR

  • No Annual Fee

  • Balance Transfer

Recommended FICO® ScoreΘ Rating

Good - Exceptional

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  • Rewards

    N/A*

  • Annual fee

    $0

  • Intro APR

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

  • Ongoing APR

    12.99% - 24.99% (Variable)

  • Ongoing Balance Transfer APR

    12.99% - 24.99% (Variable)

  • Intro Bonus

    N/A

Card details:
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% 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 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 earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your 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

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 is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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