Wells Fargo Reflect® Card
A no-annual-fee Visa card featuring the longest intro 0% APR on the market—21 months on purchases and qualifying balance transfers—plus cell phone protection and roadside dispatch.
Annual Fee
$0
Top Earning Rate
—
Foreign Tx Fee
3%
Rating
N/A
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
5 benefits
Travel Access & Perks
Purchase Protection
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
About This Card
The Wells Fargo Reflect® Card is designed for consumers who want to minimize interest costs. It offers 0% intro APR for 21 months from account opening on both purchases and qualifying balance transfers (transfers must be made within 120 days). After the intro period, a variable APR of 17.49%, 23.99%, or 28.24% applies. There is no annual fee. Card benefits include up to $600 in Cellular Telephone Protection (subject to a $25 deductible, when the monthly cell phone bill is paid with the card), Roadside Dispatch® 24/7 with no membership required, personalized cash-back deals via My Wells Fargo Deals, Zero Liability protection, and complimentary Credit Close-Up® FICO® Score monitoring. A 3% foreign currency conversion fee applies.
Ready to Decide?
Apply for the Wells Fargo Reflect® Card
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 5 of 5 benefits rated high confidence
Read our full methodology for how we collect, verify, and rate credit cards.
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