Wells Fargo Reflect Card: Your Tool for Long-Term Interest Savings

The Wells Fargo Reflect Card offers unmatched flexibility for those who want to focus on savings and smart financial planning.

The Wells Fargo Reflect Card is a powerful choice for consumers looking to save money on interest and take control of their financial journey. With one of the longest intro APR periods on the market, this card stands out as a reliable solution for consolidating high-interest debt or making large purchases with ease. Add in its enhanced security features, mobile management tools, and zero annual fee, and you’ve got a simple yet valuable card designed to support smart spending.

Whether you’re planning a big expense, tackling existing credit card balances, or just want breathing room from interest, the Reflect Card delivers real value with flexibility and peace of mind.

Extended Intro APR: The Core Benefit

The headline feature of the Wells Fargo Reflect Card is its introductory 0% APR for up to 21 months from account opening on both purchases and qualifying balance transfers. This gives cardholders nearly two years to pay down balances without accumulating interest, which is ideal for financing major expenses or consolidating debt.

• 0% intro APR for up to 21 months on purchases and qualifying balance transfers
• After the intro period, a variable APR of 18.24% to 29.99% applies
• Balance transfers must be made within 120 days to qualify for the intro APR
• Intro balance transfer fee: 5% ($5 minimum)

Compared to many other cards that offer 12–15 months of 0% APR, the Reflect Card’s extended window gives more time to make meaningful progress toward debt freedom.

Budget-Friendly Features to Help You Save

• $0 Annual Fee: You won’t pay a yearly fee to carry the Reflect Card, helping you save even more as you manage your balance or make new purchases.
• Automatic Intro APR Extension: You may qualify to extend your 0% intro APR period up to 3 additional months (for a total of 21 months) by making on-time minimum payments during the initial promotional period.
• Balance Transfer Support: Easily transfer balances from higher-rate cards and take advantage of the intro APR to reduce the cost of interest.

Tools to Stay on Track Financially

Wells Fargo provides a wide range of account management tools designed to make it easier to track, budget, and stay in control:

• My Wells Fargo Deals: Get personalized cashback offers at select merchants just by using your Reflect Card.
• FICO® Score Access: Monitor your credit health with free access to your FICO score through the mobile app or online dashboard.
• Mobile Banking: View transactions, schedule payments, and manage your card with the Wells Fargo Mobile® app.
• Contactless Payments: Tap to pay easily and securely at checkout.

Convenience and Technology at Your Fingertips

Stay in control of your finances wherever you go. With the Reflect Card, you can:

• Set up payment alerts and due-date reminders to avoid late payments
• Enable AutoPay to never miss a due date
• Use the app to lock/unlock your card instantly if it’s misplaced or stolen
• Add your card to digital wallets including Apple Pay®, Google Pay™, and Samsung Pay™ for fast, secure checkout

Built-In Security for Your Peace of Mind

The Wells Fargo Reflect Card comes with modern safety features, so you can feel confident every time you use your card:

• Zero Liability Protection: You’re not responsible for unauthorized transactions if your card is lost or stolen
• 24/7 Fraud Monitoring: Wells Fargo tracks suspicious activity and sends real-time alerts
• EMV Chip Technology: Enhanced security when you use your card in-store or abroad
• Emergency Card Replacement: If your card is lost while traveling, get quick support and assistance

Know the Key Terms

Transparency is key when choosing a credit card. Here’s what to expect with the Wells Fargo Reflect Card:

• Intro APR: 0% on purchases and balance transfers for up to 21 months
• Variable APR: 18.24% to 29.99% after intro period, based on creditworthiness
• Balance Transfer Fee: 5% of each balance transfer, $5 minimum
• Annual Fee: $0
• Foreign Transaction Fee: 3% of each transaction in U.S. dollars

💡 Tip: If you’re transferring balances, do it within the first 120 days to benefit from the intro APR and fees.

Who Can Apply?

You may be eligible for the Wells Fargo Reflect Card if you:

• Are at least 18 years old
• Are a U.S. resident with a valid Social Security Number
• Have good to excellent credit (typically 670+)
• Do not currently have an existing Wells Fargo Reflect account
• Meet Wells Fargo’s income and debt-to-income requirements

How to Apply

1. Visit the official Wells Fargo website
2. Click on the Wells Fargo Reflect Card and choose Apply Now
3. Fill out your personal information:
   • Full name
   • Date of birth
   • Social Security Number
   • Employment and income details
   • Contact information and address
4. Submit the application and wait for a quick decision
5. If approved, you’ll receive your card by mail within 7–10 business days