Wells Fargo Reflect Card

The Wells Fargo Reflect Card features a low interest rate with an impressive 0% intro APR for up to 21 months, making it ideal for balance transfers.

Last checked on July 23, 2026. We may earn a commission when you click through.

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✓ 0% intro APR for up to 21 months ✓ No annual fee ✓ Flexible repayment options
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Wells Fargo Reflect Card

Visa · balance_transfer

Our Verdict Recommended

The Wells Fargo Reflect Card is a strong choice for those looking to manage debt with a lengthy interest-free period.

What it really costs

Annual fee No annual fee
APR Range 18.24% – 27.74%
Minimum credit score 670

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Who it's for

This card is suitable for those with good credit looking to pay down existing debt without incurring interest initially.

Watch out

Be mindful of the high APR after the intro period ends, which can significantly increase your costs if balances remain.

The good and the not so good

  • 0% intro APR for up to 21 months
  • No annual fee
  • Flexible repayment options
  • Access to a user-friendly mobile app
  • Higher APR after the intro period (up to 27.74%)
  • Requires a good credit score (670+)
  • Limited rewards program

In-Depth Review

For those in need of financial relief, the Wells Fargo Reflect Card delivers a compelling 0% intro APR for up to 21 months. This feature can be a game changer for anyone looking to transfer higher-interest debt. After the introductory period, interest rates can climb as high as **27.74%**, so it’s crucial to pay off balances during this time. The card does not charge an annual fee, making it accessible for users who want to avoid ongoing costs. It's also equipped with a straightforward mobile app that allows for easy tracking of spending and payments. However, its rewards program is minimal, which may deter users who prefer earning points or cash back on purchases. Approval requires a good credit score of **670 or above**, which may limit access for some applicants. For those who primarily wish to consolidate debt, this card is a valuable tool. However, users should keep an eye on the APR post-introductory period, as carrying a balance can become expensive quickly. For more details, visit [Wells Fargo's site](https://creditcards.wellsfargo.com/reflect-visa-credit-card).

Summary

The Wells Fargo Reflect Card stands out for its lengthy interest-free duration, appealing to those aiming to manage existing debt effectively.

What cardholders say

Customers appreciate the long 0% APR but note the high rates after the introductory period.

See full review

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