The Wells Fargo Reflect Card is your go-to solution when life throws the unexpected your way—whether it’s an emergency expense, a home project, or a major purchase on the horizon. Designed for flexibility, not flashy perks, this card offers one of the longest 0% intro APR periods on the market, giving you the breathing room you need to focus on what matters most.
No complicated rewards, no flashy gimmicks. Just straightforward savings on interest, wrapped in a simple, easy-to-use package. If you’re looking for a low-stress way to handle debt or new spending, Reflect might be the perfect fit.
Here’s Why Wells Fargo Reflect Card Stands Out
1. Up to 21 Months of 0% Intro APR
Start with 18 months of no interest on purchases and balance transfers. Make your minimum payments on time, and you’ll unlock 3 more months—giving you up to 21 months of interest-free breathing room.
2. $0 Annual Fee
You won’t pay to carry the card. That’s one less thing to worry about while you focus on your payments.
3. Save Big on Balance Transfers
Transferring a balance from a high-interest credit card? You’ll get the same 0% intro APR for 18–21 months, giving you a serious head start on paying off debt.
4. Cell Phone Protection
Ever dropped your phone in the sink or cracked the screen? When you pay your monthly phone bill with Reflect, you’re covered for up to $600 in damage or theft (minus a $25 deductible).
5. Built for Simplicity
There’s no rewards program. That’s actually the point—this card is about cutting costs, not chasing points.
6. Helpful Tools from Wells Fargo
Track your payments, set up alerts, and manage your balance from the Wells Fargo app. It’s all about control and convenience.
7. Mobile Wallet Ready
Use your card with Apple Pay®, Google Pay™, or Samsung Pay anywhere contactless is accepted.
8. Generous Balance Transfer Window
You have 120 days from account opening to complete balance transfers and still qualify for the 0% intro APR. That’s a great cushion.
9. Zero Liability Protection
If your card is lost or stolen, you’re not on the hook for unauthorized charges.
10. No Penalty APR
Miss a payment? You won’t automatically get hit with a sky-high penalty rate. (But it’s still best to pay on time to keep that intro APR extension.)
Who Can Get This Card?
Thinking about applying for the Wells Fargo Reflect Card? Here’s what you’ll need:
- You must be at least 18 years old (or 19 in some states like Alabama or Nebraska).
- A Social Security Number or ITIN is required.
- You’ll need a U.S. residential address (no P.O. boxes, please!).
- A good to excellent credit score—typically 670 or above—is recommended.
- Your income should be steady enough to cover your new credit line.
How to Apply
- Head to Wells Fargo’s official website
- Find the Reflect card and click “Apply Now”
- Enter your info (name, address, income, etc.)
- Submit and get a decision—often in minutes
Frequently Asked Questions
1. How long is the 0% APR really?
Start with 18 months. If you pay on time, it extends to 21.
2. Does it offer rewards?
Nope. This one’s all about interest savings.
3. Can I use it for balance transfers?
Yes, and you’ll get the same intro APR if done within 120 days.
4. Is there a balance transfer fee?
Yes—3% if done within 120 days, then 5% afterward.
