With nearly two years of 0% intro APR and tools to help manage your credit, the Wells Fargo Reflect Card stands out as a great option for balance transfers and paying off big expenses over time. If you’ve read up on what this card offers and think it fits your needs, here’s what you should know before applying.
Fees and Interest Rates
One of the main highlights of the Wells Fargo Reflect® is its 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers. This can give you the breathing room you need to manage or pay down existing debt without added interest.
It’s also worth reviewing the other fees. While policies can change, as of now, the Reflect® card does not charge an annual fee—meaning no monthly or maintenance charges either. Once the introductory period ends, the variable APR ranges from 17.24% to 29.99%, depending on your creditworthiness.
For balance transfers made within the first 120 days, there’s an intro fee of 3%; after that, it increases to 5%. Cash advances also carry a 5% fee (minimum $10), and foreign transactions are subject to a 3% fee, making this card less ideal for international travel or purchases made abroad.
Who Should Apply?
This card is best suited for individuals with good credit—generally with a score of 600 or higher. However, Wells Fargo may consider additional factors during the application process. The Reflect® card is especially recommended for those looking to pay down existing debt over time or finance larger purchases without being hit by interest charges upfront.
To apply, you’ll need to provide documentation showing a permanent U.S. address. There’s no set income requirement, but your credit history will play a key role in the approval process.
How to Apply for the Wells Fargo Reflect®
Applying is straightforward. You can start your application directly on the Wells Fargo website, where you may be eligible for a pre-qualification check that won’t affect your credit score. This lets you see your chances of approval before submitting a full application.
If you already have a Wells Fargo checking or savings account, you also have the option to speak with a banker for personalized support. Once your application is submitted and approved, you’ll be able to transfer balances—though timelines may vary depending on your credit profile.
Is the Wells Fargo Reflect® Worth It?
The Wells Fargo Reflect® Card is designed for people who want to take advantage of long interest-free periods—especially those transferring balances or managing large purchases. With one of the longest 0% intro APR periods currently available, it’s an excellent choice for those who need extra time to pay off debt without additional financial pressure.
In addition to its main benefit, the card includes tools to help monitor your financial health, such as free access to your FICO® Score and credit management features. While it doesn’t offer ongoing cashback or rewards points, it occasionally runs promotions and partner offers that can provide limited-time value.
That said, if your goal is to earn rewards or travel perks, this card may not be the best fit. But if you’re focused on saving money on interest, the Wells Fargo Reflect® delivers where it counts.
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All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
https://creditcards.wellsfargo.com/
Read more about credit cards in https://boisla.com/category/credit-cards/
