Wells Fargo Reflect® Card – The Low APR credit card you were looking for

Ready to tackle your debt? The Wells Fargo Reflect® Card could be the perfect solution. This card offers a generous introductory APR period and no extra expenses!


Wells Fargo Reflect® Card: Up to 21 months of 0% intro APR

Wells Fargo Reflect® Card
Read out this Wells Fargo Reflect® Card review and learn more. Source: The Mad Capitalist

If you’ve been looking for a good credit card to pay off your debts, read this Wells Fargo Reflect® Card review. This card offers a long introductory APR period (up to 21 months) and no annual fee.


Credit Card

Wells Fargo Reflect®

Online Banking Visa Benefits

Enjoy 0% intro APR for up to 21 months!

You will remain in the same website

So there’s no need to worry about monthly payments or extra charges. Here’s a review of what the Wells Fargo Reflect® Card offers and how it can help you pay off your debts.

  • Credit Score: Good – Excellent;
  • Annual Fee: $0 annual fee;
  • Regular APR: 0% intro APR for 18 months on purchases and eligible qualifying balance transfers. Plus, three months of intro APR extension with a one-time minimum payment in the intro period. Then, 17.24% to 29.24% variable APR; 
  • Welcome bonus: N/A;
  • Rewards: N/A;
  • Terms apply.

Wells Fargo Reflect® Card: how does it work?

The Wells Fargo Reflect® Card is a great way to get out of debt because it offers an intro APR of 0% for 18 months on purchases and qualifying balance transfers made within the first 90 days after opening an account.

Still, this offer can be extended for three more months, making on-time minimum payment during the intro period runs.

After that, the APR varies between 17.24% to 29.24%. It makes one of the longest 0% APR offers in the market.

Plus, it becomes much easier to pay off your debts over time without worrying about high-interest rates kicking in and making it difficult to manage your finances.

The Wells Fargo Reflect® Card also comes with no annual fee and access to 24/7 online banking services.

You can use this service to check your account balance and make payments whenever you want, which makes managing your finances even easier.

Other features and benefits

Besides the amazing APR offer, the Wells Fargo Reflect® Card doesn’t have much more to offer.

This card doesn’t come with rewards, so, in the long term, it might not be so interesting to keep in your wallet.

Like the other Wells Fargo cards, the Wells Fargo Reflect® Card is packed with some services:

  • Cell phone protection: Up to $600 to protect your device from thefts or damages if you pay using the Wells Fargo Reflect® to pay your phone bills (terms apply);
  • Roadside Dispatch®: 24/7 emergency services to the roadside (terms apply);
  • Access to “My Wells Fargo Deals: Get access to different merchants, such as dining, shop, and much more;
  • Zero Liability Protection.

Wells Fargo Reflect® Card: should you get one?

happy young asian woman using mobile phone and credit card isola
Compare the pros and cons of the Wells Fargo Reflect® Card. Source: FreePik

Choosing a new credit card is not easy! You need to analyze every detail before applying! And with the Wells Fargo Reflect® Card is no different! Check this card’s pros and cons below:


  • Extended APR offer;
  • No annual fee;
  • Cell phone protection;
  • Easy application.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website


  • No rewards.

Credit score required

With a good to excellent credit score, you could be eligible for the Wells Fargo Reflect® Card and its great benefits. Consequently, you’ll need a credit score of at least 690.

Wells Fargo Reflect® Card application: how to do it?

Discover how to make your finances more reflective with the Wells Fargo Reflect® Card. Find out how to apply in our post as follows – don’t miss this opportunity to shine a light on your wallet.


Credit Card

Wells Fargo Reflect®

Online Banking Visa Benefits

Enjoy 0% intro APR for up to 21 months!

You will remain in the same website

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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