Wells Fargo Reflect® Credit Card

Rewards Rate

Welcome Bonus

The Wells Fargo Reflect® Card does not offer a traditional welcome bonus like many other credit cards. Instead, its standout feature is the exceptionally long 0% introductory APR period—up to 21 months on purchases and balance transfers (17 months initially, with the possibility of a 4-month extension for on-time payments). This extended interest-free period serves as the card’s primary incentive, making it a valuable option for those seeking to save on interest rather than earn a sign-up reward.

APR

17.24-28.99% Variable APR

Pro & Cons

• Exceptionally long intro APR period (up to 21 months).
• No annual fee.
• Flexible APR extension for on-time payments.
• Cell phone protection and cash back deals through My Wells Fargo Deals.

• No rewards program beyond introductory offers.
• High penalty APR and balance transfer fee after the initial period.
• Requires disciplined payment habits to maximize benefits.

Wells Fargo Reflect® Credit Card

The Wells Fargo Reflect® Card is an ideal solution for those who want to manage debt or finance big-ticket purchases without worrying about high interest rates. What sets it apart is its incredibly lengthy introductory APR offer, making it one of the best options for interest-free financing. Whether you're consolidating existing balances or planning a major expense, this card delivers value with no annual fee.

Card Highlights

• Up to 21 Months of 0% Intro APR: 0% introductory APR for up to 21 months on purchases and qualifying balance transfers (17 months initially, with a possible 4-month extension for on-time payments). 
• No Annual Fee: Enjoy the card’s perks without any yearly cost.
• Flexible APR Extension: The potential to extend your 0% APR period by 4 months if you consistently pay your minimum due on time.
• My Wells Fargo Deals: Get cash back offers when you shop, dine, or book travel with select merchants.
• Cell Phone Protection: Receive coverage for your mobile device when you pay your phone bill with the card.

Rewards Redemption

The Wells Fargo Reflect® Card doesn’t offer a traditional rewards program. However, cardholders can still benefit from My Wells Fargo Deals, which provides personalized cash-back offers based on their spending habits. Users can earn cash back automatically by activating available offers through their Wells Fargo account and using the card at select merchants, which is then applied as a statement credit. While the card’s primary value lies in its exceptionally long intro APR period, My Wells Fargo Deals adds extra savings by allowing users to earn back on everyday purchases without additional effort.

Card Terms, Rates and Fees

• Annual Fee: $0
• APR for Purchases: 0% introductory APR for 17 months (extendable to 21 months with on-time payments)
• APR for Balance Transfers: 0% introductory APR for 17 months on balance transfers completed within the first 120 days.
• Balance Transfer Fee: 3% of each transfer (minimum $5) for transfers made within the first 120 days; after that, up to 5% (minimum $5).
• Late Payment Fee: Up to $40

Maximize Benefits and Avoid Fees

To get the most out of the Wells Fargo Reflect® Card:

1. Plan Major Purchases During the Intro APR Period: Use the lengthy 0% APR period to finance large purchases or pay down existing debt interest-free.
2. Avoid Late Payments: Pay at least the minimum amount due each month to qualify for the 4-month APR extension.
3. Set Up AutoPay: Ensure you never miss a payment by setting up automatic bill payments.

Qualification Requirements

What Makes This Card Appealing?