Wells Fargo Reflect Card Review

Handle debt smarter and pay over time—with no interest for nearly two years.

The Wells Fargo Reflect Card provides one of the most generous intro APR offers in the credit card space, giving you up to 21 months of no-interest financing on purchases and balance transfers. Whether you’re recovering from high-interest debt or need to fund an important purchase, Reflect makes it easier and less costly to stay financially stable.

And it’s more than just low interest. With no annual fee, built-in security protections, cell phone insurance, and convenient mobile tools, this card is designed to support your everyday needs—without the clutter of gimmicks or hidden charges.

Reflect Card Highlights and Benefits

Explore the features that make Reflect a top choice for low-interest credit card users:

Up to 21 Months of 0% APR

Start with 0% intro APR for 18 months on purchases and eligible balance transfers, and extend it by 3 additional months by making on-time minimum payments. That’s nearly two years without interest—ideal for budgeting major expenses or consolidating debt.

No Annual Fee Ever

Pay nothing to carry this card. With $0 annual fee, Reflect is designed for long-term value without ongoing costs eating into your savings.

Cell Phone Protection Built In

Your wireless phone is covered for up to $600 in theft or damage protection when you pay your bill with the card. This automatic coverage includes two claims per year (with a $25 deductible per claim), adding real value without extra paperwork.

Personalized Rewards with My Wells Fargo Deals

Turn regular spending into rewards. Activate cash-back offers from retailers you already shop with and receive statement credits on qualifying purchases.

Tap-to-Pay Simplicity

Make purchases faster with the Reflect Card’s contactless capability. Just tap at checkout and go—no need to insert or swipe your card.

Real-Time Security & Account Alerts

Stay informed with text or email alerts for suspicious activity, due dates, or high spending. You stay in control and aware, reducing surprises or mistakes.

Zero Liability Protection

If someone makes unauthorized purchases with your card, you’re covered. Wells Fargo guarantees zero liability for fraudulent activity, giving you peace of mind in every transaction.

Seamless Online Access

Use the Wells Fargo app or online banking to track spending, pay your bill, set up alerts, or access your FICO Score. Everything you need is one click away.

Autopay & Payment Control

Avoid missed payments by setting up automatic payments or choosing your own due date. These options help you manage cash flow and protect your credit.

Strong Balance Transfer Option

Transferring high-interest debt to the Reflect Card during the promo window can offer serious savings. A balance transfer fee of 5% applies ($5 minimum), but interest savings over 21 months may far outweigh the fee.

Free Monthly FICO Score

Keep track of your credit health with complimentary access to your FICO Score. It’s an excellent tool for staying on top of financial goals and detecting shifts early.

Who Should Apply for the Reflect Card?

This card is perfect for individuals who:

• Want to reduce or eliminate interest on current debt
• Need to make large purchases they plan to pay off gradually
• Appreciate simplicity, flexibility, and transparent pricing

Applicants must be 18 or older and legal U.S. residents with verifiable income. A good credit profile (typically 670+ FICO Score) increases approval odds.

How to Apply

Applying takes just a few minutes. Follow the steps below:

1. Visit the Wells Fargo Reflect Card application page.
2. Click “Apply Now” to begin the secure form.
3. Input your name, contact details, financial info, and employment data.
4. Submit the application and wait for an instant decision in most cases.
5. If approved, expect your physical card in the mail within 5–10 business days.

Frequently Asked Questions

Is the Reflect Card really free to use?
Yes—there is no annual fee. You may incur fees for late payments or balance transfers, but simply carrying the card costs you nothing.

How do I get the 21-month 0% APR?
Make at least the minimum payment on time during the 18-month introductory period, and Wells Fargo will extend your intro APR for 3 more months—totaling 21 months.

Does it come with rewards or points?
No ongoing rewards program, but you can access limited-time cash-back deals with My Wells Fargo Deals.

How does the balance transfer work?
Transfer balances within the first 120 days to qualify for the intro APR. A 5% fee applies, but you’ll pay no interest for up to 21 months if you qualify for the extension.

Do I need excellent credit to apply?
A good-to-excellent credit score is typically needed (670+), along with steady income and responsible credit history.