Wells Fargo Reflect® Card review: Long intro APR, incentive to pay on time

A man grins as he uses a cell phone while holding up his Wells Fargo Reflect Card.Image: A man grins as he uses a cell phone while holding up his Wells Fargo Reflect Card.
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  • Long introductory APR offer
  • No annual fee
  • Cellphone protection


  • Balance transfer fees may cost you
  • No rewards program to provide ongoing value
  • Requirements to extend APR period
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Wells Fargo Reflect® Card

2.5 out of 5

From cardholders in the last year

See details, rates & fees

What you need to know about the Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card, with its $0 annual fee and long intro APR period for balance transfers and purchases, may be a good option if you’re looking to transfer a balance. It also comes with an incentive to pay on time.

Here are a few other things you may want to consider before you apply.

Long introductory APR offer, with possibility to extend

The Wells Fargo Reflect® Card comes with 0% APR for 18 months from account opening on purchases and balance transfers made within 120 days from the day you open your account. 

And you may be able to extend the 0% introductory periods another three months for a total of 21 months for both purchases and balance transfers. But to do so, you’ll have to make on-time minimum payments during both the initial 18 months and the extension. Also, if you’re late with a payment, you could lose the 0% APR offer altogether.

There’s a balance transfer fee of up to 3% for 120 days from account opening, then up to 5%; minimum: $5 of the total balance transferred. And after the intro period ends, the card’s ongoing APR for both balance transfers and purchases jumps up to a variable 16.74% - 28.74%.

Intro offers are the same length

With this card, the introductory APR offers for both balance transfers and purchases are the same length. This can help you keep track of your finances, since you won’t have to worry about getting caught up with tricky timeline math or interest rate confusion.

No rewards

The Wells Fargo Reflect® Card doesn’t have a rewards program, but you may still be able to get cash back on qualifying shopping, dining and experience purchases through the My Wells Fargo Deals program. To take advantage of this special program, you’ll first have to activate the deals. Any cash back you earn will show up as a statement credit.

What else you need to know about the Wells Fargo Reflect® Card

  • Cellphone protection — If you use the card to pay your monthly bill, you’ll be eligible for cellphone protection coverage up to $600 to cover the cost of a lost or stolen phone.
  • Current Wells Fargo cardholders may not be able to apply — If you opened another Wells Fargo card within the last six months, may not be eligible to apply for this card.
  • 24/7 roadside assistance — You’ll have some support on the road with the card’s 24/7 emergency roadside assistance.
  • Traveling internationally will cost you — The card has a 3% foreign transaction fee. So if you’re planning on traveling outside the U.S., you may want to consider another card that won’t rack up extra fees abroad.

Who this card is good for

The Wells Fargo Reflect® Card may not seem like it offers much ongoing value, since it doesn’t offer rewards. But the potential 21-month intro APR period could be good if your focus is handling debt and you need more than a year to pay it off. But if you don’t need as much time, you could consider another card that offers rewards — even if it has a shorter 0% APR offer.

Not sure this is the card for you? Consider these alternatives.

If the Wells Fargo Reflect® Card isn’t right for you, you might be interested in one of these other credit cards.

About the author: Kevin Payne is a freelance writer and the family travel and budget expert behind FamilyMoneyAdventure.com. He writes regularly for Club Thrifty, FinanceBuzz, Millennial Money, PT Money and Student Loan Planner. Kevin … Read more.