Pros and cons of Wells Fargo Reflect

Extended intro APR on purchases and balance transfersDoes not earn rewards
No annual feeDoes not offer Visa Signature benefits or concierge services
Provides cell phone protection, roadside dispatch, and more3% foreign transaction fees

Hidden perks

Cellphone protection: Paying your cellphone bill with the Reflect card provides up to $600 per claim for eligible theft or damage, with a $25 deductible. You can make up to two claims per year, giving you annual coverage of up to $1,200.

My Wells Fargo deals: Access limited time offers through My Wells Fargo Deals, where you can earn cash back as an account credit at select merchants. While the rewards may have small caps, it adds value to your Reflect card over time.

Visa travel benefits: The Reflect card includes standard-tier Visa Traditional benefits such as emergency cash disbursement, card replacement, travel and emergency assistance, and roadside dispatch assistance.

Comparing Wells Fargo Reflect with similar cards

Wells Fargo Reflect®

Apply now with Wells Fargo
Reward rateNA
Reward detailsThis card does not offer any rewards
Intro Bonus:NA Annual fee$0
Regular APR18.24% - 29.99%
Read full review

Bank of America® Customized Cash Rewards

Apply now with Bank of America
Reward rate1% - 3%
Reward details3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. You€™ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.
Intro Bonus:$200 Annual fee$0
Regular APR18.24% - 28.24%
Read full review

Chase Freedom Flex®

Reward rate1% - 5%
Reward detailsEarn 5% on travel purchased through Chase Ultimate Rewards. Earn 3% on dining at restaurants, including takeout and eligible delivery services. Earn 3% on drugstore purchases. Earn 1% on all other purchases.
Intro Bonus:$200 Annual fee$0
Regular APR19.49% - 28.24%

Beyond the basics

Balance transfer intro APR 0% for 21 months
Cash advance APR The variable APR for cash advances will depend on the cardholder’s creditworthiness.
Foreign transaction fees 3% of each transaction converted to US dollars.
Loan APR None
Late payment fee Upto $40
Penalty APR None
Credit score required 670+ (Good – Excellent)

Other offers

  • My Money MapTrack spending, create budgets, save for goals, and manage debt using Wells Fargo’s online budgeting tool.
  • Roadside dispatch24/7 emergency roadside assistance, towing, and locksmith service on demand.
  • Zero liability protectionAs long as transactions are reported promptly, you are never held responsible for unauthorized purchases on your account.

What we like about this card

Longer Intro APR

At the time of this article, the Reflect card offers a 0% intro APR period on purchases and balance transfers for 21 months, one of the longest intro APR periods on the market. This is great for those looking to make a large purchase soon or transfer high-interest credit card balances to pay off debt faster.

Repay over time feature

The standout feature of the Wells Fargo Reflect Credit Card is the "Repay Over Time" option. This unique feature allows cardholders to select specific purchases to pay off gradually, offering a practical solution for managing larger expenses while maintaining financial control.

Focus on financial wellness

The Reflect Card demonstrates a commitment to customer financial wellness. By encouraging responsible credit behavior and providing tools for credit management, Wells Fargo aims to support cardholders in building a healthier financial future.

Building credit responsibly

The card is tailored to individuals looking to establish or improve their credit history responsibly. With features designed to promote responsible credit usage, users can work towards enhancing their creditworthiness over time.

Wells Fargo mobile app integration

The seamless integration with the Wells Fargo mobile app enhances the overall user experience. Cardholders have convenient access to account information, transaction history, and payment options at their fingertips, making it easier to stay on top of their finances.

No annual fee

The Wells Fargo Reflect Credit Card may come with the added benefit of no annual fee. This makes it an attractive option for individuals seeking a cost-effective credit card without the burden of additional yearly expenses.

Flexibility in repayment

The card provides users with flexibility in how they manage their payments. The ability to choose specific purchases for extended repayment offers a level of control that is not commonly found in traditional credit cards.

Educational resources

Wells Fargo provides educational resources and tools to help cardholders make informed financial decisions. This commitment to financial literacy is a positive aspect for individuals looking to expand their knowledge and make sound financial choices.

Drawbacks and considerations

Limited rewards program

Compared to other credit cards, the Reflect Card doesn't have a cash back, points, or miles rewards program. Individuals who prioritize earning rewards or cash back might find other cards with more robust rewards systems to be a better fit for their needs.

Interest rates

One notable consideration is the potential for higher-than-average interest rates, depending on the cardholder's creditworthiness. Individuals who carry a balance from month to month should be aware of the impact of these interest rates on the overall cost of using the card.


While the Reflect Card may not have an annual fee, there could be other fees associated with certain transactions. Prospective cardholders should carefully review the terms and conditions to understand potential fees for late payments, cash advances, or balance transfers.

Credit limit

The credit limit assigned to the Reflect Card may vary based on the individual's credit history and financial profile. Some users might find the initial credit limit to be lower than expected, potentially limiting their purchasing power.

Focus on repayment planning

While the "Repay Over Time" feature is a unique benefit, users need to be disciplined in their repayment planning. Failing to manage this feature effectively could lead to increased overall costs and potential financial strain.

How to decide if this card is right for you

Deciding if the Wells Fargo Reflect Credit Card aligns with your financial goals requires a thoughtful consideration of your spending habits, financial priorities, and preferences. Here are key factors to help you determine if this card is the right fit for you:

Financial goals

Evaluate your financial goals and priorities. If building or improving your credit history is a primary objective, the Reflect Card's focus on responsible credit management may align well with your aspirations.

Credit usage habits

Consider your credit usage habits. If you anticipate carrying a balance or have a need for flexibility in managing specific purchases over time, the "Repay Over Time" feature could be a valuable tool for your financial toolkit.

Interest considerations

Assess your comfort level with interest rates. While the Reflect Card offers unique features, it's essential to weigh the potential impact of high interest rates on your overall cost of credit. If you plan to pay off your balance in full each month, the interest rates may have less significance.

Rewards prioritization

If earning rewards is a high priority for you, it's worth comparing the Reflect Card's rewards program to other credit cards. While the Reflect Card offers unique benefits, its rewards program may be more modest compared to cards with a stronger emphasis on rewards.

Mobile banking preferences

Take into account your preferences for mobile banking. If having easy access to account information and management tools on-the-go is important to you, the integration with the Wells Fargo mobile app may be a significant advantage.

Tolerance for fees

Carefully review the fee structure associated with the Reflect Card. If you are comfortable with the potential fees for certain transactions and confident in your ability to manage your account responsibly, the card's benefits may outweigh these considerations.

Expert's take on the Wells Fargo Reflect Card

Ways to maximize the benefits of this card

Take advantage of 0% intro APR on balance transfers

The Reflect card has a 0% intro APR for 21 months on qualifying balance transfers. If you’re considering debt consolidation and looking for a strong balance transfer credit card, consider the Reflect card, which allows you to consolidate debt without accruing interest for that intro period.

Use for large purchases

You’ll also avoid interest accrual on large purchases for the first 21 months of owning the card. If you are making a large purchase, using this credit card can help save you money.

Review your benefits

Take the time to review the benefits and features of your Reflect card regularly to ensure you are taking full advantage of everything it has to offer, such as cell phone protection and roadside dispatch.

Combine with other Wells Fargo credit cards

If you have other Wells Fargo credit cards that earn points or cash back, consider using these cards for everyday purchases to maximize your rewards potential. You can then redeem those rewards for cash back, statement credits, gift cards, merchandise, and more.

What users are saying about this card

Reflecting on my experience with various credit cards, the Wells Fargo Reflect® Card stands out for its competitive fees, robust benefits, and overall value proposition. Compared to other cards I've used in the past, the Reflect® Card offers attractive balance transfer terms with a low introductory APR and no annual fee, making it a cost-effective option for managing debt. The card's unique perks, such as cell phone protection and Visa travel benefits, provide added value and convenience that I haven't seen with many other cards. These benefits, coupled with Wells Fargo's reputation for reliability and customer service, enhance the overall value proposition of the Reflect® Card. Overall, the Reflect® Card impresses with its favorable fee structure, comprehensive benefits, and exceptional value, making it a standout choice in the crowded credit card landscape.

Read more
Sai Blackbyrn

CEO, Coach Foundation

The Wells Fargo Reflect® Card is a credit card designed to help its users build their credit history while making purchases. This card comes with unique features and benefits that make it stand out from other credit cards on the market. One of the main differences between the Wells Fargo Reflect® Card and other credit cards is its fees. Unlike most credit cards, this card does not have an annual fee or foreign transaction fees, making it a great option for those who frequently travel abroad. Additionally, the late payment fee for this card is lower than that of most other credit cards. The Wells Fargo Reflect® Card also offers a variety of benefits to its users. For starters, the card comes with a cash-back program where users can earn 1% cash back on all purchases made with the card. This is a great way to save money while using the card for everyday expenses. Another benefit of this card is the Cell Phone Protection, which covers up to $600 in damages or theft to your phone when you pay your monthly cell phone bill with the card.

Read more
Shaun Martin

Founder & CEO, Sell My House Fast

The Wells Fargo Reflect® Card is a credit card that offers unique features and benefits compared to other credit cards on the market. The fee structure of the Wells Fargo Reflect® Card is one of its key benefits. This card has no annual fee, which sets it apart from many other credit cards that charge an annual fee for card ownership. Additionally, the Wells Fargo Reflect® Card has no foreign transaction fees, making it a great option for those who frequently travel or make purchases in other currencies. This can save cardholders money on fees and also provide added convenience when using the card abroad. The Wells Fargo Reflect® Card offers several benefits that make it a competitive choice among credit cards. One of the standout benefits is its cash-back program. Cardholders can earn unlimited 1.5% cash back on all purchases made with the card, which can add up to significant savings over time. This is a great benefit for those who use their credit card frequently for everyday purchases. The card also offers a 0% introductory APR period on both purchases and balance transfers for the first 18 months. This can provide cardholders with some breathing room to pay off large purchases or consolidate debt without accruing interest charges. When considering fees and benefits, the Wells Fargo Reflect® Card offers a strong overall value for cardholders. The lack of an annual fee and foreign transaction fees, combined with the cash-back program and introductory APR period, make this card a cost-effective option for everyday use. The additional travel and purchase protections also add value to the card's features.

Read more
Mandy Murry

Founder & CEO, Independent Hotel Consultant

How this card helps the environment along with you

The Wells Fargo Reflect credit card not only offers value when it comes to interest savings on balance transfers and large purchases, but also contributes to a positive environmental and social impact. For example:

  • Wells Fargo is committed to reducing its environmental footprint. The company has implemented various initiatives to promote sustainability, such as reducing paper usage, increasing energy efficiency, and supporting renewable energy projects.
  • Wells Fargo is dedicated to social responsibility and community development. The company supports a wide range of social initiatives, including affordable housing programs, financial education, and community development projects.
  • Wells Fargo upholds strong governance practices, ensuring transparency, accountability, and ethical conduct in its operations.
  • Wells Fargo offers impact investing opportunities through its investment products and services. These opportunities allow you to invest in companies and projects that have a positive impact on society and the environment.

Found a prefect pair

Pair your Wells Fargo Reflect with Chase Freedom Unlimited®

Chase Freedom Unlimited®

Apply now with Chase

Pair the Wells Fargo Reflect Card with a cash back credit card like the Chase Freedom Unlimited or Discover it. Your Wells Fargo card can provide an extended 0% intro APR for balance transfers and purchases while your cash back card can help you maximize your spending with cash back rewards and other benefits.

Apply now with Chase


Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:

  • Assess the interest rates charged on outstanding balances.
  • Evaluate the cost of owning the credit card, including any annual fees.
  • Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
  • Analyze introductory APR, balance transfer offers, and sign-up bonuses.
  • Consider the card’s credit limit and its suitability for different financial needs.
  • Review late fees, foreign transaction fees, and other charges.
  • Determine the credit score needed to qualify for the card.
  • Research the quality and accessibility of customer support.
  • Assess security measures such as fraud protection and chip technology.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.

Why trust Credello?
At Credello, transparency and objectivity are the cornerstones of our credit card reviews. We believe in empowering you to make informed financial decisions, free from any bias or influence from credit card issuers. We go beyond the surface, dissecting each card's features and rewards programs through the lens of your spending habits and financial goals. Whether you're a travel enthusiast, a cashback seeker, or a credit-building novice, we tailor our reviews to resonate with your unique needs.


To transfer a balance to the Wells Fargo Reflect Card, you can follow these general steps:

1. Check Eligibility: Ensure that you are eligible for balance transfers on your Reflect Card.

2. Gather Account Information: Collect the necessary information about the account from which you want to transfer the balance, including the account number, the amount you want to transfer, and the issuer’s details.

3. Contact Wells Fargo: Call the Wells Fargo customer service number, which is typically located on the back of your credit card or on your monthly statement. You can also find this information on the Wells Fargo web site. Provide the representative with the details of the account you want to transfer the balance from, including the account number, the amount you want to transfer, and the name of the issuing bank.

4. Verify Terms and Conditions: Ensure that you understand the terms and conditions of the balance transfer. Take note of any fees associated with the transfer and the promotional interest rate, if applicable.

5. Complete Necessary Forms: The representative may guide you through the process of completing any necessary forms or providing additional information. This could include information about the account you are transferring from and your preferences for how the transfer is applied.

6. Wait for Processing: Balance transfers may take some time to process. Be patient and monitor your accounts to confirm when the transfer is completed.

7. Continue Payments: Until the balance transfer is confirmed, continue making payments on your existing credit card to avoid any late fees or penalties.

Remember that the specific steps and details may vary, so it’s advisable to consult the Wells Fargo Reflect Card terms and conditions or contact Wells Fargo customer service directly for the most accurate and up-to-date information.

1. Visit Wells Fargo’s Website.

2. Check for Pre-approval Offers: Look for a section on the website where you can check for pre-approval offers. Some credit card issuers have online tools that allow you to see if you’re pre-approved for specific cards.

3. Enter Your Information: If prompted, you may need to enter some basic information, such as your name, address, Social Security number, and income details.

4. Review Pre-approval Offers: After entering the required information, you may receive information about credit cards for which you are preapproved. If the Wells Fargo Reflect Card is among the pre-approved offers, it will be listed.

5. Apply for the Card: If you find that you are pre-approved for the Wells Fargo Reflect Card and you are interested, you can proceed to the application process. Keep in mind that pre-approval doesn’t guarantee approval, but it does indicate that, based on the information provided, you are likely to be approved.

Alternatively, you can also visit a Wells Fargo branch or contact Wells Fargo customer service to inquire about pre-approval options for the Reflect Card.

There is no specific information indicating that the Wells Fargo Reflect Card is a metal credit card. However, credit card materials and designs can change, and new card versions may have been released since then.

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