$0
Annual fee
See the card
Card reviewWells Fargo
Updated Sep 5, 2026 · researchWF
Wells Fargo
Wells Fargo Reflect4 Card
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
Personal
Visa
$0
Annual fee
—
Top rate
3%
Foreign fee
N/A
Rating
We may earn a commission when you apply or book through our links, at no extra cost to you. It never changes our editorial inclusion, rankings, or verdicts.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
APR Information
- Purchase APR
- 17.49% - 28.24%0% intro APR for 21 months
- Balance Transfer APR
- 17.49% - 28.24%0% intro APR for 21 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
3 benefits
Purchase Protection
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
Wells Fargo Reflect Card offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.49%, 23.99% or 28.24% variable APR thereafter, with $0 annual fee.
Ready to Decide?
Apply for the Wells Fargo Reflect4 Card
Current offer available with no annual fee.
We may earn a commission when you apply or book through our links, at no extra cost to you. It never changes our editorial inclusion, rankings, or verdicts.
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Sources & Methodology
Data Collection
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How it's checked
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Data Quality
- 2 of 3 benefits rated high confidence
- 3 source citations across benefits
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