Wells Fargo Reflect℠ Card

Offer

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Fees & Conditions

Annual Fee $0

Our review

Stay Flexible with the Wells Fargo Reflect® Card

0% intro APR on purchases and qualifying balance transfers for up to 21 months*
No annual fee
Automatic extension of your intro APR period by 3 months when you make on‑time minimum payments during the intro period
Cell phone protection up to $600 per claim (subject to deductible) when you pay your phone bill with this card
No penalty APR for late payments

Ideal for paying down high‑interest balances, the Reflect® Card offers one of the longest 0% APR windows in the market—extended further with every on‑time payment you make during the intro period. With no annual fee and no late‑payment penalty rate, you can focus on eliminating debt without worrying about extra costs. Enjoy built‑in cell phone damage and theft coverage, and manage your payments effortlessly through the Wells Fargo mobile app.

*0% intro APR period applies to purchases and balance transfers made within 120 days of account opening; ongoing APR of 19.24%–29.99% variable applies thereafter. Balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater, if completed within the first 120 days; thereafter 5%. See full terms for details.