Is The Wells Fargo Reflect Credit Card Truly Worth Considering?

The Wells Fargo Reflect Card offers one of the longest intro APR periods available, giving you more time to pay down balances or fund what matters most.

If you’re looking for a credit card that gives you extra breathing room when it comes to interest, the Wells Fargo Reflect Card is a standout choice. With a generous intro APR period on both purchases and balance transfers, it’s a fantastic tool for consolidating debt or managing big expenses without immediate interest charges. 

Even better, Wells Fargo allows you to extend that 0% intro APR period even longer if you make your payments on time. Whether you’re planning for a large purchase or transferring a balance to escape high interest, this card is designed to support your financial wellness. And with no annual fee, it’s a budget-friendly companion from day one.

CREDIT CARD

Wells Fargo Reflect

$0 ANUAL FEE 0% intro offer

APPLY NOW You will be redirected

How Does the Wells Fargo Reflect Card Work?

The Wells Fargo Reflect card is designed to help you manage debt or large purchases with minimal interest. It offers a 0% introductory APR for 21 months on both purchases and qualifying balance transfers—one of the longest intro periods available. 

If you make on-time minimum payments during this period, you can even extend the intro APR for an additional 3 months, giving you up to 24 months of interest-free financing.

This card doesn’t offer rewards, but its value lies in helping you save on interest. With no annual fee, it’s ideal for anyone focused on paying off existing balances or spreading out payments on big expenses without the pressure of immediate interest charges.

Other Benefits of the Wells Fargo Reflect Card

Aside from its standout APR offer, the card includes several useful perks:

• Intro APR Offer: Get 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. After that, a variable APR applies.
• Extension Opportunity: Make on-time minimum payments and you can qualify to extend the intro APR by 3 more months, giving you up to 24 months of no interest.
• No Annual Fee: Enjoy all the benefits without any yearly cost.
• Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly phone bill with the card (after a $25 deductible).
• My Wells Fargo Deals: Access personalized cashback offers when shopping with participating retailers.
• Zero Liability Protection: You won’t be held responsible for unauthorized purchases.
• 24/7 Fraud Monitoring and Account Alerts: Stay informed and protected with real-time notifications.

APRs and Fees for the Wells Fargo Reflect Card

Here’s what you need to know about the card’s rates and fees:

• Intro APR: 0% for 21 months on purchases and qualifying balance transfers
• Extended Intro APR: Up to 24 months total with on-time minimum payments
• Regular APR: Variable APR of 18.24% to 29.99% based on your creditworthiness
• Balance Transfer Fee: 3% (minimum $5) for transfers made within the first 120 days; 5% after
• Annual Fee: $0
• Late Payment Fee: Up to $40
• Foreign Transaction Fee: 3% of each transaction in U.S. dollars

Is the Wells Fargo Reflect Card Right for You?

The Wells Fargo Reflect Card is ideal for you if:

• You want to pay off existing high-interest credit card debt
• You plan to make a large purchase and want time to pay it off without interest
• You generally carry a balance and prefer to minimize interest
• You have good to excellent credit

On the other hand, if your goal is to earn rewards like cash back or travel points, this card won’t meet that need. It’s designed purely for people looking to save on interest and manage payments more effectively.

How to Apply for the Wells Fargo Reflect Credit Card

Applying for the Wells Fargo Reflect credit card is a straightforward process that can be done entirely online. Here’s a detailed breakdown of what to expect and how to get started:

Step 1: Visit the Official Application Page
Go to the Wells Fargo Reflect credit card page. This is the official Wells Fargo page where you can learn more about the card and begin your application.

Step 2: Click on “Apply Now”
On the Wells Fargo Reflect card page, click the “Apply Now” button. This will take you to the secure online application form.

Step 3: Enter Your Personal Information
Fill in the required personal details, including your full name, date of birth, Social Security number, citizenship or residency status, current address with duration of residence, and contact information such as your phone number and email address.

Step 4: Provide Employment and Financial Information
Next, you’ll need to enter your income and employment details. This information helps Wells Fargo determine your ability to manage the credit line you’re applying for.

Step 5: Read and Agree to the Terms and Conditions
Before submitting your application, carefully review the terms and disclosures, which include details about the introductory and variable APR, balance transfer fees, and other applicable fees and penalties, so you fully understand how the card works and what to expect if you’re approved.

Step 6: Submit Your Application
Once everything is filled out and you’ve reviewed the terms, click to submit your application. Make sure all information is accurate to avoid processing delays.

Step 7: Wait for a Decision
You may receive an approval decision within minutes. In some cases, Wells Fargo may need additional time to review your application. If further verification is required, you might receive a request for supporting documents or additional information via email or mail.

Step 8: If Approved, Activate and Start Using Your Card
If you’re approved, your new card will be mailed to you, typically within 7 to 10 business days. Once received, you’ll need to activate it online or by phone before using it.

CREDIT CARD

Wells Fargo Reflect

$0 ANUAL FEE 0% intro offer

APPLY NOW You will be redirected