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Wells Fargo Reflect® Card Review: Get Up to 21 Months Interest-Free

This balance transfer card offers an impressive intro 0% APR promotion on both purchases and balance transfers. Here's what you need to know to determine if it's right for you.

Advertiser Disclosure: Most products in our articles are from partners who may provide us with compensation. However, opinions expressed here are author's alone, not those of any bank, credit card issuer, airline or hotel chain.

Getting a credit card with an introductory 0% APR promotion can save you hundreds of dollars on interest, sometimes more than what you could get with a sign-up bonus on a rewards credit card. But a lot of 0% APR cards max out at 15 months.

The Wells Fargo Reflect® Card (Rates and Fees) takes other 0% APR cards to task, offering no interest for an introductory period of up to 21 months on both purchases and balance transfers (then a 15.99% to 27.99% variable APR applies based on creditworthiness).

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: None
APR: 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers. 15.99% to 27.99% variable APR thereafter.
Rewards Rate: None
Details: Full Review

Rates and Fees

Offer Terms

Annual Fee: $0

Intro APR: 0% introductory APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro and extension periods. Balance transfers made within 120 days qualify for the introductory rate and fee of 3%. Any balance transfers made after the 120-day period are charged a fee of up to 5%, minimum $5.

APR: After the intro 0% APR offer concludes, a 15.99% to 27.99% variable APR will apply based on creditworthiness.

Rewards Rate: None

Sign-Up Bonus: None

Who Should Use This Credit Card? People looking for a balance transfer credit card with long-term 0% interest.

Why We Like It

Why We Like the Wells Fargo Reflect® Card

Anyone looking to make a large purchase will appreciate the Wells Fargo Reflect® Card’s (Rates and Fees) intro 0% APR promotion, which can run up to 21 months and applies to both new purchases and balance transfers. After the intro 0% APR offer concludes, a 15.99% to 27.99% variable APR will apply based on creditworthiness.

It also includes some handy perks, such as cell phone protection, access to roadside dispatch assistance and admittance into My Wells Fargo Deals, which allows you to activate cash rewards deals with select retailers and restaurants.

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While the card doesn’t have any other features to get excited over, its long promotional APR can feel like a lifesaver for people who are looking to pay down credit card debt or who need to make a large purchase. Here’s what you should know about the card, including benefits and drawbacks, and how to determine if it’s the right fit for you.

Wells Fargo Reflect® Card Review

If you’re planning on making a large purchase or you’re hoping to pay down existing high-interest credit card debt, the Wells Fargo Reflect® Card should be on your radar.

Introductory 0% APR on Purchases

The card’s highlight — and the main real reason to get it — is its introductory APR promotion. As a default, the card offers an introductory 0% APR on purchases for 18 months (then a standard variable APR of 15.99% to 27.99% applies depending on creditworthiness). That isn’t unique, as you can get the same terms from the Citi Simplicity® Card and the Citi® Diamond Preferred® Card

But if you use the card responsibly and pay your bill on time every month throughout the introductory 18-month promotional period, Wells Fargo will extend the 0% intro APR to 21 months (you’ll also have to pay on time for the extra three months to maximize it). 

After the promotional period is over, this balance transfer credit card charges a variable APR that is determined by your creditworthiness.

To give you an idea of how much you could save, let’s say you get the card and make a $5,000 purchase. If you had an 18.99% APR on your card and planned to pay off the balance within 21 months, your monthly payment would be $281.71, and you’d pay $915.85 in interest over that time.

With the introductory period 0% APR, though, your monthly payment would be roughly $238.10, and you’d save the full $915.85 in interest charges. Even if you have a small balance at the end of the promotional period, you’ll only pay interest on the remaining balance.

Introductory 0% APR on Balance Transfers

The Wells Fargo Reflect® Card’s introductory 0% APR promotional period also extends to balance transfers, making it a solid choice for debt consolidation. Keep in mind, though, that there’s a balance transfer fee of 3% of the transfer amount, with a $5 minimum, during the first 120 days. After that, the fee jumps to 5%.

So, if you were to transfer $5,000 from another card, your new balance would be $5,300 instead of $5,000. If you were to pay it off over 21 months with an 18.99% APR, your monthly payment would be $298.61, and you’d pay $970.80 in interest. But if you were to take advantage of the Wells Fargo Reflect® Card’s 0% intro APR promotion, you’d pay $252.38 per month, and your only cost would be the $300 fee, saving you $670.80 in interest.

It’s important to keep in mind, though, that you won’t know what your credit limit on the card will be until you’ve actually opened the account. So it’s possible that you won’t be able to transfer your full balance from another card. 

Annual Fee

The Wells Fargo Reflect® Card doesn’t charge an annual fee, which is par for the course for this type of balance transfer card. That means you can hold onto the credit card after the promotional period is over, even if you don’t plan to use it. Keeping older credit card accounts can help improve your credit score, though you may need to put a purchase on the card now and then to keep it active.

Credit Score

According to Experian, the card is designed for people with good credit or better. That typically means having a FICO score of 670 or higher. Note, however, that individual credit card issuers may have their own credit criteria, so if you’re just barely above 670, that’s not a guarantee you’ll get approved.

For the best chance of getting approved with a solid credit limit, it’s best to have a high credit score and a low debt-to-income ratio, which is the percentage of your gross monthly income that goes toward debt payments.

Card Benefits

For the most part, the card’s added perks are nothing to write home about. However, there are some that can come in handy.

Cell Phone Protection

This perk is becoming increasingly ubiquitous, but that doesn’t mean it’s not valuable. If you use your Wells Fargo Reflect® Card to pay your phone bill, you can get reimbursed up to $600 per claim for repair or replacement if your phone is damaged or stolen. There’s a $25 deductible per claim, and you can only file up to two claims per 12-month period.

Roadside Dispatch

If you’re stranded on the road, this perk makes it easy to get the help you need. While you’ll need to pay for the actual service you receive, your card can make the process go more smoothly. It includes things like towing, tire changing, jump-starting, lockout service, fuel delivery and standard winching.

My Wells Fargo Deals

In your online account or mobile app, you’ll be able to search and activate cash rewards deals with select retailers and restaurants. If you take advantage of a deal, you’ll get your rewards in the form of a statement credit.

Bottom Line

The Wells Fargo Reflect® Card offers the longest introductory 0% APR promotion that we know of, and you’ll get it on both purchases and balance transfers. It’s an excellent option if you have plans to make a large purchase or need to pay down existing credit card debt. After the promotional period is over, though, the card doesn’t provide a lot of value.

Depending on how much you need to pay down, consider other 0% APR credit cards that offer rewards for more ongoing value, even if their introductory 0% APR periods are shorter.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Ben Luthi
Ben Luthi
Ben Luthi is a personal finance and travel writer and credit card expert. He has a degree in finance from Brigham Young University and worked in financial planning, banking and auto finance before writing full-time for NerdWallet and Student Loan Hero. Ben is now a full-time freelance writer and enjoys traveling and spending time with his two kids. His work has appeared in several publications, including U.S. News & World Report, USA Today, Money, Success and Slickdeals.

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