Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Long 0% Intro APR
- 0% Intro APR
- No Rewards
- No Sign up Bonus
Rewards Plan
Sign up Bonus
Our Rating
PROS
- Long 0% Intro APR
- No Annual Fee
CONS
- No Rewards
- No Sign up Bonus
APR
18.24% to 29.99% variable APR
Annual Fee
$0
0% Intro
21 months on purchases and balance transfers
Credit Requirements
Good - Excellent
The Wells Fargo Reflect® Card is a balance transfer credit card with a notable feature: one of the longest introductory APR periods on both purchases and qualifying balance transfers.The card 0% intro APR for 21 months on purchases and balance transfers. However, there's a relatively high balance transfer fee of 5$ or 5% (the greater), with an introductory fee of either $5 or 3%.
The card's perks include cellphone protection and access to My Wells Fargo Deals, offering modest discounts. Also, it has no annual fee and benefits such as zero liability protection and 24/7 on-demand referral dispatch for roadside emergency assistance.
However, the absence of a signup bonus, rewards program, and limited ongoing benefits may make it less attractive for those seeking long-term value.
The card is mainly relevant for those looking to leverage the long 0% intro for paying off debt or purchasing a large item. If you're looking for cashback or travel rewards and you have good credit, you may want to shop around for a different card.
Is there a limit on the number of balance transfer claims eligible for the intro APR?
As long as the balance transfers are made within 120 days of account opening, there is no specified limit on eligible claims.
Can I apply for the card with average credit?
The card is typically suitable for individuals with excellent to good credit, but if you have an exisitng relatioship with Wells Fargo, it might be worth to check it our with your banker.
How much cellphone protection does the card provide?
The cellphone protection covers eligible theft or damage up to $600 per claim, with a $25 deductible.
Can I get cash back with the Wells Fargo Reflect® Card?
The card itself does not offer cash back, but My Wells Fargo Deals may provide some cash back on eligible purchases.
Are there penalties for late payments?
Yes, late payments may result in a fee of up to $40.
Pros & Cons
Let’s take a closer look at the pros and cons of the World of Hyatt Credit Card:
Pros | Cons |
|---|---|
Extended Intro APR | No Rewards / Sign Up Bonus |
Cell Phone Protection | Foreign Transaction Fee |
Visa Travel Benefits | Limited Ongoing Perks |
Wells Fargo Deals | Balance Transfer Fee |
- Extended Intro APR
 The Wells Fargo Reflect® Card offers one of the longest 0% intro APR periods on both purchases and qualifying balance transfers, providing 21 months of interest-free payments from account opening.
- Cell Phone Protection
The card provides cellphone protection against damage or theft, offering coverage of up to $600 per claim (subject to a $25 deductible), with two claims allowed per year.
- Visa Travel Benefits
Cardholders enjoy standard Visa travel benefits, including 24/7 roadside dispatch assistance, adding a layer of convenience and security during travels.
- Wells Fargo Deals
While the deals may be modest, cardholders have access to My Wells Fargo Deals, providing opportunities for discounts on various purchases.
- No Rewards / Sign Up Bonus
 This card option currently does not offer any cashback rewards or sign up bonus (besides the 0% intro APR).
- Foreign Transaction Fee
With this card, you must pay a 3% foreign transaction fee.
- Limited Ongoing Perks
 Beyond cellphone protection and My Wells Fargo Deals, the card offers few ongoing perks, lacking the extensive benefits provided by some competitors.
- Balance Transfer Fee
Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, 5$ or 5% (the greater).
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How It Compared To Other 0% Intro APR Credit Cards?
When you look at the Wells Fargo Reflect® Card compared to other cards with a 0% introductory APR, it's clear that there are better choices, especially if you have a good credit score.
If you want a card with a very long of 0% intro APR on balance transfers, check out cards like the Chase Slate Card, Citi Diamond Preferred Card, and Citi Simplicity® Card. They give you more time to pay off your balance without interest. The U.S. Bank Platinum Card and the Bank Americard are also good options with 0% intro APR, but remember, none of these cards offer rewards or a welcome bonus.
Now, if you're okay with a shorter period of 0% intro APR but want rewards and a welcome bonus, the Chase Freedom Unlimited Card is a standout choice. It gives you a higher cash back rate on travel, dining, and drugstore purchases, plus 1.5% cash back on everything else. Another good option for beginners seeking rewards, a welcome bonus, and 0% intro APR is the Citi Custom Cash Card.
For those interested in a 0% intro APR for 15 months and higher cash back rates on dining, entertainment, streaming services, and groceries, the Capital One SavorOne is worth considering. It's a great choice if you want to earn rewards on your everyday expenses. If you prefer cashback rewards and a straightforward approach, the American Express Cash Magnet® Card also offers an enticing 0% intro APR.
Compare The Alternatives
If you're looking for a balance transfer credit card with long 0% intro APR – the Reflect card is definitely a good option, but there are some good alternatives:
|
|
| |
|---|---|---|---|
Capital One Savor card | Chase Freedom Unlimited® card | Citi Simplicity® Card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
1% – 8%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases. 10% percent cash back on purchases made through Uber and Uber Eats. 8% cash back on Capital One Entertainment purchases. 5% cash back on hotels and rental cars booked using Capital One Travel.
|
1.5% – 5%
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
|
N/A
None
|
Welcome bonus |
$200
$200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
|
$200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
|
N/A
None
|
Foreign Transaction Fee | $0
| 3%
| 3%
|
Purchase APR | 19.99% – 29.99% variable
| 20.24%–28.99% variable
| 19.24% – 29.99% (Variable)
|
FAQ
Yes, it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance. Please review the specific details before, to make sure you're covered as needed.
There are no out and out income requirements and normally you will not have to provide proof of income.
Perhaps you did not meet all of the requirements. You can ask the customer service team what you need to do to get accepted or you can look at other card options.
 You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.
 You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.
Yes, you can get pre-approval when you are signing up for a Wells Fargo ReflectSM Card. This allows you to see if you can get your hands on this card without needing a hard credit check.
The credit limit for this type of credit card is usually at least $500. The exact limit will depend on your personal financial situation that you have outlined in your application.
You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no cashback rewards in place for you to consider.
The Wells Fargo ReflectSM Card is a good starter card because it is cost-effective and simple. You also will need to be okay with not earning cashback rewards.
It is not very hard to get your hands on a Wells Fargo ReflectSM Card once you meet all of the requirements that are fairly achievable for most people.
Some of the top reasons to not get the Wells Fargo ReflectSM Card is that it does not offer any cashback rewards and it carries a foreign transaction charge.
Compare Wells Fargo Reflect Card
Wells Fargo has recently launched a new set of credit cards, and these two are at the top of the list. Which of them offers more and is it worth it?
The Autograph Card is best for earning rewards on common travel categories, while the Reflect Card is a better option for a long 0% intro APR.
BankAmericard is the winner, offering a longer 0% intro period on purchases than the Reflect card and a lower APR. Here's our comparison.
BankAmericard vs. Wells Fargo Reflect Card: How They Compare?
Both the Citi Diamond Preferred and the Wells Fargo Reflect card don't offer rewards or welcome bonuses, but a 0% intro APR. Which card wins?
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Review 0% Intro Balance Transfer Cards
Chase Freedom Flex
Citi Simplicity
Capital One Quicksilver
Chase Freedom Unlimited
Wells Fargo Reflect
Capital One SavorOne
Citi Diamond Preferred
Chase Slate
U.S. Bank Altitude Go Visa
U.S. Bank Cash+ Visa
