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Wells Fargo Reflect Card card art
Wells Fargo · rewards

Wells Fargo Reflect Card

4.0 / 5
Cash back · Personal card

Reflect isn't a rewards card, it's a debt-payoff tool. The 21-month 0% intro APR on purchases and balance transfers is among the longest available, and the tradeoff is simple: no bonus, no earn rate, just nearly two years to pay down a balance interest-free.

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At a glance

Welcome bonus
No welcome bonus
No spend requirement
Annual fee
$0
Purchase APR
17.49% to 28.24%
Intro: 0% for 21 months
FX fee
3%
BT intro: 0% for 21 months
Editorial

Our take

Reflect isn't a rewards card, it's a debt-payoff tool. The 21-month 0% intro APR on purchases and balance transfers is among the longest available, and the tradeoff is simple: no bonus, no earn rate, just nearly two years to pay down a balance interest-free.

Verdict

Pros & cons

Pros

  • 0% intro APR for 21 months on purchases and balance transfers
  • $0 annual fee
  • Cell phone protection up to $600/claim

Cons

  • No rewards program
  • No welcome bonus
  • Balance transfers cost 5% of the amount moved ($5 minimum) and must post within 120 days to qualify for the intro rate
Benefits

Key benefits

21 Months at 0% APR

One of the longest 0% intro APR offers available, covering both purchases and qualifying balance transfers.

Cell Phone Protection

Get up to $600 per claim (two claims per 12 months) when you pay your cell phone bill with this card.

$0 Annual Fee

Keep the card open long-term at no cost while you pay down debt.

Fit

Who this is best for

  • Paying down existing debt
  • Financing a large purchase interest-free
  • Avoiding interest for up to 21 months
FAQ

Frequently asked questions

What is the Wells Fargo Reflect welcome bonus?
This card does not offer a welcome bonus.
Does the Wells Fargo Reflect charge an annual fee?
No. The Wells Fargo Reflect has a $0 annual fee.
Does the Wells Fargo Reflect have a foreign transaction fee?
Yes. The Wells Fargo Reflect charges a 3% foreign transaction fee on purchases made outside the US.
Does the Wells Fargo Reflect offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 21 months on purchases. The ongoing purchase APR is 17.49% to 28.24% variable.
Who is the Wells Fargo Reflect best for?
Paying down existing debt. Financing a large purchase interest-free. Avoiding interest for up to 21 months.
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Wells Fargo Reflect Card

No spend requirement
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Rates accurate as of August 30, 2026. Issuer terms.