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Wells Fargo Reflect℠ Card

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Designed for transferring balances and paying off large purchases over time, the Reflect card offers a long 0% intro APR for doing just that. It has a unique feature, offering up to three extra months at 0% if you pay at least your minimum payment on time throughout the introductory and extension periods.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 12.99%–24.99% Variable
Intro Balance Transfer APR: 0% for 18 months
Intro Purchase APR: 0% for 18 months

Wells Fargo Reflect℠ Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 18 months
Regular Balance Transfer APR 12.99%–24.99% Variable
Balance Transfer Fee 5%, $5 minimum
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • Roadside Assistance
Wells Fargo Reflect℠ Card


  • Purchase APR: 0% for 18 months, then 12.99%–24.99% Variable
  • Balance Transfer APR: 0% for 18 months, then 12.99%–24.99% Variable
  • 3-month intro APR extension after making on-time payments during the intro and extension periods
  • Roadside Dispatch
  • Cell Phone Protection
  • No annual fee

Wells Fargo

Wells Fargo has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-231-5511 or

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The Wells Fargo Reflect Card offers a long 0% intro APR offer for both purchases and balance transfers.

This is a straightforward intro APR card with a twist. If you pay at least the minimum payment on time throughout the introductory and extension periods, you can get a 0% APR extension up to three additional months.

The most noteworthy benefits for this card are Cell Phone Protection and Roadside Dispatch, along with Wells Fargo Deals, where you can earn cash back at select retailers.

And that’s about it. Similar to the Citi® Diamond Preferred® Card (Review), this card is designed just for balance transfers or paying off large purchases.

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