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Card reviewWells Fargo
Updated Apr 14, 2026 · research
WF
Wells FargoEditorially reviewed

Wells Fargo Reflect® Card

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 28.24% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate. $0 Annual Fee.

Mid TierPersonal
Visa
Credit profile: good
$0
Annual fee
—
Top rate
3%
Foreign fee
N/A
Rating
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Pros & Cons

Pros

  • 21 months of 0% intro APR on purchases and qualifying balance transfers
  • No annual fee
  • Cellular Telephone Protection up to $600 per claim
  • Roadside Dispatch included
  • Zero Liability Protection for unauthorized transactions

Cons

  • No ongoing rewards program
  • 3% foreign transaction fee
  • High variable APR after intro period up to 28.24%
  • Good credit required
  • Balance transfers must be within 120 days for intro rate

Key Takeaways

  • 0% intro APR for 21 months on purchases and balance transfers within 120 days
  • No annual fee but 3% foreign transaction fee applies
  • Cellular protection up to $600 per claim with limits
  • Roadside assistance and FICO score access included
  • Variable APR of 17.49% to 28.24% after intro period

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee3%

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

5 benefits

Purchase Protection

Statement Credits

Lifestyle Benefits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Cellular Telephone Protection

Offers up to $600 coverage per claim for phone damage or theft when bill is paid with the card, a useful safeguard with $25 deductible and claim limits.

Roadside Dispatch

Provides 24/7 access to towing and roadside services without membership, though fees apply for service and mileage over 5 miles.

Credit Close-Up

Gives complimentary monthly FICO Score updates and credit insights for online customers, helping monitor credit without impacting the score.

Frequently Asked Questions

What is the introductory APR offer on the Wells Fargo Reflect Card?
The card offers 0% intro APR for 21 months on purchases and qualifying balance transfers made within 120 days of account opening. After that, the variable APR is 17.49%, 23.99%, or 28.24%. Balance transfers outside the 120-day window do not qualify for the intro rate.
Does the Wells Fargo Reflect Card have an annual fee?
No, the card has no annual fee. There is also no mention of a waived first-year fee as it is $0 from the start.
What are the foreign transaction fees for this card?
The Wells Fargo Reflect Card charges a 3% foreign transaction fee on purchases made outside the United States.
What benefits does the Wells Fargo Reflect Card offer?
Benefits include Cellular Telephone Protection up to $600 per claim with a $25 deductible and max 2 claims per 12 months, Roadside Dispatch for towing and assistance, Zero Liability Protection for unauthorized charges, My Wells Fargo Deals for cash back credits, and Credit Close-Up for FICO Score access.
What credit score is needed to qualify for the Wells Fargo Reflect Card?
The card requires good credit for approval.
How does Cellular Telephone Protection work on this card?
It covers up to $600 per claim for damage or theft when the cell phone bill is paid with the card, subject to a $25 deductible. Maximum of 2 claims or $1,000 per 12 months. Terms apply and full bill payment is required.
Are there rewards on the Wells Fargo Reflect Card?
The card does not offer standard rewards rates. However, My Wells Fargo Deals provides access to personalized merchant deals that earn cash back as account credits when activated and used.

About This Card

This card suits consumers with good credit seeking to finance large purchases or consolidate debt interest-free for up to 21 months. It fits those prioritizing a long intro APR over rewards.

The Wells Fargo Reflect® Card offers a 0% introductory APR for 21 months on purchases and qualifying balance transfers made within 120 days of account opening, followed by a variable APR of 17.49%, 23.99%, or 28.24%. It has no annual fee and a 3% foreign transaction fee. Benefits include Cellular Telephone Protection up to $600 per claim ($25 deductible, max 2 claims/12 months), Roadside Dispatch, My Wells Fargo Deals for cash back, Zero Liability Protection, and Credit Close-Up for FICO Score access.

It stands out in the mid-tier balance transfer category with one of the longest 21-month 0% intro APR periods on both purchases and qualifying transfers.

Ready to Decide?

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Current offer available with no annual fee.

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Card Categories

Balance TransferIntro AprNo Annual Fee

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 5 of 5 benefits rated high confidence
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