Wells Fargo Reflect Card
No fee
Wells Fargo
Wells Fargo Reflect Card
4.4
(987 reviews)balance transfer
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The card with the longest potential 0% APR period available — up to 21 months, extendable to 24 months by making on-time minimum payments. The added cell phone protection benefit (up to $600) is a valuable bonus rarely found on balance transfer cards. Ideal for anyone tackling a large purchase or debt payoff over a longer timeline.
Annual Fee
No annual fee
Purchase APR
17.74% – 29.49%
Rewards
No rewards
Sign-Up Bonus
None
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Wells Fargo Reflect Card is best suited for established credit users who anyone needing maximum time to pay off debt interest-free. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- Up to 21 months 0% APR (extendable to 24)
- Cell phone protection
- No annual fee
- Anyone needing maximum time to pay off debt interest-free
Consider another card if you…
- No rewards
- 3% foreign transaction fee
- 5% balance transfer fee
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 17.74% – 29.49% |
| Intro APR (Purchases) | 0% for 21 months |
| Intro APR (Balance Transfer) | 0% for 21 months |
| Balance Transfer Fee | 5% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
Up to 21 months 0% APR (extendable to 24)
Cell phone protection
No annual fee
Covers purchases and balance transfers
No rewards
3% foreign transaction fee
5% balance transfer fee
The Bottom Line
The Good: The Wells Fargo Reflect Card stands out for its up to 21 months 0% apr (extendable to 24).
The Not So Good: No rewards.
Our Verdict: With an editor score of 8/10, the Wells Fargo Reflect Card is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Wells Fargo Reflect Card?▾
The Wells Fargo Reflect Card has no annual fee — you'll never be charged just for keeping the card open.
What credit score do I need for the Wells Fargo Reflect Card?▾
The Wells Fargo Reflect Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Wells Fargo Reflect Card charge a foreign transaction fee?▾
Yes, the Wells Fargo Reflect Card charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Wells Fargo Reflect Card?▾
The Wells Fargo Reflect Card has a variable purchase APR of 17.74% – 29.49%, with a 0% intro APR for the first 21 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Wells Fargo Reflect Card best for?▾
The Wells Fargo Reflect Card is best for Anyone needing maximum time to pay off debt interest-free. A key advantage: up to 21 months 0% apr (extendable to 24).
Customer Reviews
4.4
987 reviews
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