Wells Fargo Reflect Card: Maximizing Savings

A credit card designed for customers looking for flexibility and rewards. Learn about its fees, APR, credit score requirements, and exclusive benefits

Best for: Best for: Longest 0% intro period

Credit Card Wells Fargo

★★★★★ 4 The Nerd Money review

★★★★★ 4 The Nerd Money review

Recommended credit score: 670-850

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on Wells Fargo’s secure site

See Rates & Fees

Annual Fee:

$0.00

APR:

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

Pros and Cons

• ✔ Unlike most competitors, this card offers the same length of intro APR period on both purchases and qualifying balance transfers.
• ✔ The card comes with cell phone protection against damage or theft (up to $600, subject to a $25 deductible, when you pay your monthly phone bill with the card).

• ✖ The card's balance transfer fee is relatively high. A lower-fee card could save you more overall, even if it carries a shorter intro APR period.
• ✖ There’s no rewards program, so the card has limited long-term value.

Product Details

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.

Why we like it

The Wells Fargo Reflect® Card offers maximum breathing room for paying off a big purchase, with an intro APR period approaching two years.

Wells Fargo Reflect Card: A Strategic Tool for Smart Financial Planning

The Wells Fargo Reflect Card is a strong contender in the credit card market, particularly appealing to consumers focused on saving money and managing debt efficiently.

Backed by Wells Fargo’s reputation for robust financial products and customer-centered services, this card is tailored for disciplined users who prioritize low interest rates over traditional rewards.

What Makes the Reflect Card Different?

Instead of points, miles, or cashback, the Wells Fargo Reflect Card stands out by offering one of the longest promotional APR periods available. This feature alone makes it a valuable tool for those looking to pay down debt or finance large purchases over time without incurring interest.

Key Benefits

• Extended 0% Intro APR: Enjoy 0% APR for up to 18 months on purchases and balance transfers, with the possibility of an extension to 21 months for consistent on-time payments.
• No Annual Fee: An economical choice that helps users save even more.
• Purchase Protections: Includes built-in protections and insurance for purchases, providing peace of mind.
• Consumer Assistance Services: Access to support for emergencies and billing disputes.

Essential Details

• APR After Promo: Variable, based on creditworthiness—important to consider once the intro period ends.
• Credit Score Requirement: Typically requires a good to excellent score (670+).
• Best For: People looking to consolidate balances, manage existing debt, or finance major purchases while avoiding interest.

Final Thoughts

The Wells Fargo Reflect Card is a practical, low-cost option for those who value financial flexibility over flashy perks. While it doesn’t offer traditional rewards, its long interest-free period and supportive features can result in substantial savings for responsible users.

It’s an ideal choice for anyone focused on budgeting smarter, reducing debt, and making the most of strategic financial planning.