Credit Cards » Credit Card Reviews » Wells Fargo Reflect℠ Card 2024 Review
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Wells Fargo Reflect℠ Card 2024 Review

Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Wells Fargo Reflect℠ Card

Wells Fargo ReflectSM Card (1)

Rewards Plan

N/A

Sign up Bonus

N/A

Our Rating

3.9
3.9/5

0% Intro

21 months on purchases and balance transfers

Annual Fee

$0

APR

18.24% to 29.99% variable APR
Wells Fargo Reflect℠ Card

Wells Fargo ReflectSM Card (1)

Rewards Plan

N/A

Sign up Bonus

N/A

Our Rating

3.9
3.9/5

PROS

CONS

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

 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.

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.

Cardholders enjoy standard Visa travel benefits, including 24/7 roadside dispatch assistance, adding a layer of convenience and security during travels.

While the deals may be modest, cardholders have access to My Wells Fargo Deals, providing opportunities for discounts on various purchases.

 This card option currently does not offer any cashback rewards or sign up bonus (besides the 0% intro APR).

With this card, you must pay a 3% foreign transaction fee.

 Beyond cellphone protection and My Wells Fargo Deals, the card offers few ongoing perks, lacking the extensive benefits provided by some competitors.

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-One

chase freedom unlimited card

citi simplicity

Capital One Savor card
Chase Freedom Unlimited® card
Citi Simplicity® Card
Annual Fee
$0
$0
$0
Rewards
1% – 3% 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.
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
Up to $300 additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
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?

Wells Fargo Active Cash vs Reflect Card: Which One Wins?

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.

Wells Fargo Reflect vs. Autograph Card: How They Compare?

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?

Wells Fargo Reflect Card vs. Citi Diamond Preferred Card

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Review 0% Intro Balance Transfer Cards

Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.