Wells Fargo Reflect® Card review: Long no-interest promotional period

With 21 months of introductory APR on both balance transfers and purchases, the Wells Fargo Reflect® Card * The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of the best credit cards on the market for paying off debt from another card or financing a big-ticket purchase.

About the Wells Fargo Reflect® Card * The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you’re at the point in your financial journey where you owe more on your credit card statement balance than you can afford to pay off, you’re not alone. In fact, the average American household carries $7,951 in credit card debt, according to our analysis of data from the Federal Reserve Bank of New York. 

While it may seem counterintuitive, opening a new credit card that offers a 0% introductory APR period can be a saving grace in such a situation. By conducting a balance transfer, or moving your debt from one account to another, you can avoid paying interest for a defined time frame.

The Wells Fargo Reflect Card comes with one of the longest interest-free periods offered on the market. Cardholders can receive a 0% intro APR for 21 months from account opening on purchases and on balance transfers made within the first 120 days, afterwards a 18.24%, 24.74%, or 29.99% variable APR applies. There’s a balance transfer fee of 5% with a $5 minimum. 

Wells Fargo Reflect Card basics

• Annual fee: $0.
• Welcome bonus: None.
• Rewards: None.
• APR: 0% intro APR for 21 months from account opening on purchases and on balance transfers made within the first 120 days, afterwards a 18.24%, 24.74%, or 29.99% variable APR applies. There’s a balance transfer fee of 5% with a $5 minimum.  
• Other perks and benefits: Cellphone protection and access to roadside dispatch. 
• Does the issuer offer a preapproval tool? Yes.
• Recommended credit score: Good to excellent.

Wells Fargo Reflect Card details

Wells Fargo Reflect Card APR

The card offers a 0% intro APR for 21 months from account opening on purchases and on balance transfers made within the first 120 days, afterwards a 18.24%, 24.74%, or 29.99% variable APR applies. There’s a balance transfer fee of 5% with a $5 minimum. You can seamlessly request a balance transfer under “Account Management” through the Credit Card Service Center section of your online Wells Fargo account or by calling 1-800-642-4720.

Wells Fargo Reflect Card pros:

• Lengthy intro period: A 21 month intro APR period on purchases and balance transfers is exceptional. We’re not aware of any card on the market today with a longer intro APR period.
• Cellphone protection: Pay your phone bill with this card and receive up to $600 in protection against damage or theft (up to two claims per 12-month period and subject to a $25 deductible).
• No annual fee: You won’t pay a fee to carry this card.

Wells Fargo Reflect Card cons:

• Can’t earn rewards: While we don’t recommend making new purchases while paying down a transferred balance, rewards can be a reason to keep a card after you’ve zeroed out your debt. However, the Wells Fargo Reflect doesn’t earn rewards, giving little reason to use it after the intro period ends.
• No welcome bonus: If you’re planning to finance a big purchase, you might also be hoping to earn a welcome bonus to offset part of the cost. Unfortunately, the Reflect doesn’t have one, though it does provide a best-in-class intro APR offer.
• Foreign currency conversion fees: Leave this card at home if traveling outside the United States, as purchases made abroad will incur a fee of 3% of each transaction converted to U.S. dollars.

Wells Fargo Reflect Card benefits

The Wells Fargo Reflect Card does not offer a rewards program. However, the card still offers a few perks, including cellphone protection. By paying your monthly phone bill with this card, you can get up to $600 in coverage against theft or damage. You can file up to two claims per 12-month period, and a $25 deductible will apply for approved claims.

In addition, the Wells Fargo Reflect Card gives you access to 24/7 roadside dispatch when you call 1-800-847-2869, where an operator can refer you to emergency roadside assistance, towing or a locksmith service. You will be responsible for any charges and fees incurred for using any of these services, but it’s helpful to know that there’s someone you can call for round-the-clock assistance. 

The card also allows you to access My Wells Fargo Deals, which is a feature where you can activate cash-back offers at select merchants through your online account. 

How the Wells Fargo Reflect Card compares to other 0% intro APR credit cards

Wells Fargo Reflect Card vs. Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card carries no annual fee and is another best-in-class balance transfer card. You get a 0% intro APR for 21 months on eligible balance transfers from the date of the first transfer and 0% intro APR for 12 months on purchases from date of account opening. After that, the variable APR will be 18.24% to 28.99%. Balance transfers must be completed in the first four months. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.

Wells Fargo Reflect Card vs. Chase Freedom Unlimited®

The Chase Freedom Unlimited® is a popular no-annual-fee credit card that offers strong rewards across the board and intro APR periods on purchases and balance transfers as well. 

With 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on eligible dining and drugstore purchases and 1.5% cash back on all other purchases, this earning rate can help you quickly rack up valuable rewards on your daily spending.

The card offers a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days. After that, a fee of either $5 or 5% of each transfer applies. 

Wells Fargo Reflect Card vs. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express (terms apply, rates & fees) has a $0 intro annual fee for the first year, then $95 annual fee, but provides a tremendous cash-back program: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

For those looking to transfer existing debt or finance a big purchase, the Blue Cash Preferred from American Express comes with a 0% intro APR for 12 months on purchases and balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.  

Should you get the Wells Fargo Reflect Card?

While the Wells Fargo Reflect Card does not offer the opportunity to earn rewards, the card offers one of the longest interest-free periods for paying down transferred debt or financing a new purchase over time. In short, the Wells Fargo Reflect Card could be a great option to help you take ownership of your credit card debt.

Just know if you’re planning a balance transfer, the account where you have the debt must be with a different lender. You can’t transfer a balance from one Wells Fargo credit card to another.  

Wells Fargo Reflect Card summary

^{For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.}