The Wells Fargo Reflect Card is built for those who want to reduce the cost of carrying a balance or financing large purchases over time. With one of the most extended 0% introductory APR periods in the market—up to 21 months—you gain the breathing room to manage your finances without accruing interest. Whether you’re paying down debt or planning for a significant expense, this card gives you space to focus on what matters most.
Beyond interest savings, Wells Fargo Reflect provides robust security features, reliable customer support, and seamless mobile access, making it more than just a low-interest tool—it’s a modern credit experience designed to fit your lifestyle.
Key Benefits of the Wells Fargo Reflect Card
Explore the standout features that make the Reflect Card a valuable tool in your financial strategy:
0% Intro APR for up to 21 Months
Enjoy a 0% introductory APR on purchases and qualifying balance transfers for up to 21 months from account opening (18 months, plus a possible 3-month extension with on-time minimum payments). This gives you the opportunity to pay down high-interest debt or make large purchases without interest charges, offering financial peace of mind.
No Annual Fee
Save from the start with no annual fee. The Reflect Card is a cost-effective option for anyone looking to consolidate debt or manage expenses without the burden of extra fees just for holding the card.
Cellular Telephone Protection
When you pay your monthly phone bill with the Reflect Card, you automatically get up to $600 in cell phone protection against covered damage or theft (subject to a $25 deductible). It’s a built-in safety net for one of your most important devices.
Zero Liability Protection
Shop confidently knowing you’re not responsible for unauthorized transactions made with your card. Wells Fargo’s Zero Liability coverage ensures your account is safeguarded against fraud and misuse.
Access to My Wells Fargo Deals
Earn cash back in the form of statement credits when you activate and use personalized offers from participating merchants. These exclusive deals reward you for everyday spending.
Contactless Tap-to-Pay Technology
Make fast, secure payments with the convenience of tap-to-pay technology. Whether you’re commuting, shopping, or dining out, contactless payments add speed and hygiene to your daily transactions.
Seamless Digital Account Management
Manage your account effortlessly through the Wells Fargo Mobile app or online banking. Set alerts, monitor balances, view transactions, and schedule payments—all from your phone or computer, anytime, anywhere.
Autopay and Flexible Payment Options
Stay in control of your finances by setting up automatic payments or customizing your due dates. These tools help you avoid late fees and maintain a healthy payment history.
Opportunity for Balance Transfers
Use the introductory APR offer to transfer balances from higher-rate cards, potentially saving hundreds in interest. A 5% balance transfer fee applies ($5 minimum), but the long interest-free period can make this a financially smart move.
FICO Score Access
Track your credit health over time with free access to your FICO Score. Staying informed helps you make smart credit decisions and take steps to improve your score as needed.
Who is this card for?
The Wells Fargo Reflect Card is ideal for individuals looking to manage or reduce interest payments, particularly those who:
- Want to consolidate credit card debt
- Are planning a major purchase they need to pay off gradually
- Prefer a card with no annual fee and strong security features
Applicants must be at least 18 years old and legal residents of the United States. A good credit score is typically recommended for approval, along with a stable source of income.
How to Apply for the Reflect Card
Getting started is quick and easy. Follow these steps to apply:
- Visit the official Wells Fargo Reflect Card webpage.
- Click “Apply Now” to begin your application.
- Fill in your personal and financial information as prompted.
- Review and submit your application.
- Receive a decision within minutes in most cases. If approved, your card will be mailed to you.
Frequently Asked Questions
Does the Reflect Card charge an annual fee?
No, there is no annual fee, making it a smart long-term addition to your wallet.
How long does the 0% intro APR last?
The card offers an 18-month 0% intro APR on purchases and balance transfers, with the possibility of a 3-month extension when you consistently make on-time minimum payments—totaling up to 21 months.
Is there a balance transfer fee?
Yes, the fee is 5% of the amount transferred (minimum $5), which is standard for this type of offer.
What credit score do I need to qualify?
Wells Fargo generally recommends good to excellent credit for approval (typically a FICO Score of 670 or higher).
How do I get cell phone protection?
Simply pay your monthly phone bill with the Reflect Card, and you’re automatically covered for up to $600 in protection per claim, with a $25 deductible.
