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Well Fargo Reflect Review

The basics

Balance transfer details

Intro APR


Intro Period

18 months


3% or $5 whichever is greater

Annual Fee


Regular APR

17.49% - 29.49% var

Credit Score Required


Good for: Extended 0% intro APR period

Our verdict

Though the extended intro APR period (up to 21 months for both purchases and balance transfers) is appealing it does come to an end and then you are left with no rewards or real perks but t may be worth considering if you are looking for a credit card with a low interest rate and no annual fee.

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Beyond the basics

  • 0% intro APR for both purchases and balance transfers makes it stand out

Purchase APR

0% for 18 months

Cash Advance APR


Penalty APR


Sign up Bonus


Foreign Transaction Fees


Late Fees

After 1 year, $40



Full review

Lender description Wells Fargo is a multinational financial services company with corporate headquarters in San Francisco, California. It provides a variety of financial services including bank accounts, loans, mortgages, investing, credit cards & banking services.

Best used for

  • Paying off debt

Pros & cons

  • No annual fee
  • No membership fees
  • Reports to the 3 major credit bureaus
  • No ability to earn long-term rewards
  • Potential for a high APR
  • Must have at least good credit

Most suitable for

Card reward details No rewards but 0% intro APR for both purchases and balance transfers

How to apply Apply online by providing basic personal information. You must to be at least 18, have a Social Security number, and be a legal resident of the U.S.

Available The Wells Fargo Reflect Card is available nationwide.

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