Wells Fargo Reflect Card Review

Save on interest with the Wells Fargo Reflect® Card. Get up to 21 months 0% APR on purchases and balance transfers, no annual fee, and added protections.

If you’ve been searching for a credit card that gives you extra breathing room on interest while keeping things simple, the Wells Fargo Reflect Card may be exactly what you need. With one of the longest 0% introductory APR offers available, this card is perfect for those planning large purchases or looking to consolidate debt without the pressure of immediate interest charges.

Unlike rewards-heavy cards that complicate your finances, the Reflect card focuses on what matters most: saving you money on interest and helping you manage your payments stress-free. Whether you’re building a budget strategy or tackling existing balances, this card brings flexibility and peace of mind.

CREDIT CARD

Wells Fargo Reflect

0% intro APR Zero Liability protection

Unlock Your Financial Potential With Ease:

APPLY NOW You will be redirected

10 Key Benefits of the Wells Fargo Reflect Card

1. Exceptionally Long 0% Intro APR

Enjoy 0% introductory APR for up to 21 months on purchases and qualifying balance transfers, giving you nearly two years of interest-free breathing room.

2. Low Ongoing APR After Intro Period

Once the intro period ends, you’ll continue with a competitive variable APR that makes carrying a balance more affordable compared to many other cards.

3. Balance Transfer Savings

With the intro APR applied to balance transfers, you can move high-interest debt to the Reflect card and save significantly over time.

4. $0 Annual Fee

There’s no annual fee, making it easier to keep the card long-term as a financial tool without ongoing costs.

5. Cell Phone Protection

When you pay your monthly wireless bill with the card, you’ll be eligible for up to $600 in cell phone protection against damage or theft (subject to deductible).

6. Fraud and Security Protection

Benefit from Zero Liability Protection, account monitoring, and alerts that help safeguard your information against unauthorized use.

7. Auto Rental Collision Damage Waiver

If you rent a car and use your Reflect card to pay, you may be covered for damage due to collision or theft — giving you peace of mind while traveling.

8. Contactless Payment Technology

Tap to pay quickly and securely anywhere contactless payments are accepted, reducing hassle at checkout.

9. Easy Online and Mobile Banking

Manage your account 24/7 with Wells Fargo Online and the Wells Fargo Mobile app, including payment scheduling, alerts, and spending insights.

10. Access to Wells Fargo Deals

Cardholders get personalized offers and discounts through Wells Fargo’s merchant partners, helping you save on everyday shopping.

Who Can Apply?

To qualify for the Wells Fargo Reflect Card, you must:

• Be at least 18 years old (19 in certain states).
  
• Have a valid Social Security Number or ITIN.
  
• Provide a U.S. mailing address.
  
• Meet income and creditworthiness requirements (good to excellent credit is recommended).
  

How to Apply

Follow these steps to apply:

1. Visit the Wells Fargo Reflect Card application page.
   
2. Fill out your personal and financial details.
   
3. Review terms and conditions carefully.
   
4. Submit your application securely online.
   
5. Receive a decision, often within minutes.
   
6. If approved, your card will be mailed promptly.
   

Frequently Asked Questions (FAQ)

1. Does the Wells Fargo Reflect Card earn rewards?
No, this card is designed for low interest savings, not for points or cashback.

2. What is the intro APR offer?
0% intro APR for up to 21 months on purchases and balance transfers.

3. Is there an annual fee?
No, the card has a $0 annual fee.

4. Can I use this card for balance transfers?
Yes, balance transfers qualify for the 0% intro APR if completed in the first 120 days.

5. Does this card offer fraud protection?
Yes, it includes Zero Liability and account monitoring for unauthorized use.

6. What credit score is recommended for approval?
Applicants with good to excellent credit typically have the best approval odds.

CREDIT CARD

Wells Fargo Reflect

0% intro APR Zero Liability protection

Unlock Your Financial Potential With Ease:

APPLY NOW You will be redirected