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Wells Fargo Credit card
Wells Fargo Reflect® Card
No rewards
VISA
Apply for Wells Fargo Reflect® Card

On Wells Fargo's secure site

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Credit card Wells Fargo Visa

Card review

Wells Fargo Reflect® Card

4.4 4.4 out of 5 8.8/10 DebitCue Score Verified

21-month 0% intro APR — one of the longest available

Fee
No fee
Purchase APR
17.49% - 28.24%
Interest-free
-
Foreign fee
3%
Rewards
No ongoing rewards program; card is optimized for 0% intro APR on purchases and balance transfers.
Welcome offer
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (not a cash/points bonus).

Our verdict

What stands out, and where it falls short.

What we like

  • No ongoing rewards program; card is optimized for 0%…
  • Welcome bonus
  • No card fee

Worth weighing

  • 3% foreign transaction fee

Who It Is For

Whether the Wells Fargo Reflect® Card fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • People who want rewards on their spending

Skip it if you are

  • Frequent international travelers

Rates and fees

As of

All amounts shown in USD.

Card fee
No fee
Purchase APR
17.49% - 28.24%
Interest-free period
-
Foreign transaction fee
3%
Regular APR
17.49%, 23.99%, or 28.24% Variable
Intro APR
0% for 21 months on purchases and qualifying balance transfers
Balance Transfer Fee
5%, min $5
Foreign Transaction Fee
3%

Rewards and features

Rewards
No ongoing rewards program; card is optimized for 0% intro APR on purchases and balance transfers.
Welcome offer
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (not a cash/points bonus).
Pay with
Apple Pay, Google Pay, Contactless
Rewards
No cash back, points, or miles earned on purchases

Benefits and perks

Extras that come bundled with the card.

  • Cell Phone Protection
    Up to $600 coverage against damage or theft when you pay your monthly cell phone bill with the card; $25 deductible, max 2 claims per 12 months.
  • Roadside Dispatch
    24/7 roadside assistance on a pay-per-use basis (towing, lockouts, fuel delivery).

Wells Fargo Reflect® Card: your questions answered

Does the Wells Fargo Reflect® Card have a card fee?
No - the Wells Fargo Reflect® Card has no card fee.
What rewards does the Wells Fargo Reflect® Card earn?
The Wells Fargo Reflect® Card earns No ongoing rewards program; card is optimized for 0% intro APR on purchases and balance transfers..
Does the Wells Fargo Reflect® Card charge foreign transaction fees?
Yes - the Wells Fargo Reflect® Card charges a 3% foreign transaction fee.
What is the interest rate on the Wells Fargo Reflect® Card?
The Wells Fargo Reflect® Card has a purchase APR of 17.49% - 28.24%.
Does the Wells Fargo Reflect® Card have a welcome offer?
Yes - 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (not a cash/points bonus)..
Is the Wells Fargo Reflect® Card a credit, debit or prepaid card?
The Wells Fargo Reflect® Card is a credit card issued by Wells Fargo on the Visa network.
Does the Wells Fargo Reflect® Card support Apple Pay and Google Pay?
Yes - the Wells Fargo Reflect® Card works with both Apple Pay and Google Pay.
Where can I get the Wells Fargo Reflect® Card?
The Wells Fargo Reflect® Card is currently offered in United States.
How does DebitCue rate the Wells Fargo Reflect® Card?
DebitCue rates the Wells Fargo Reflect® Card 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Wells Fargo Reflect® Card?
Use the Apply now button to continue on Wells Fargo's secure site. Comparing and applying through DebitCue is free.

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