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Credit Card Review🧊 Longest 0% Intro APR

Wells Fargo Reflect® Card

Issued by Wells Fargo

No rewards — built for intro APR financing.

At a Glance

Annual Fee

$0

Purchase APR

17.49%–28.24%

Rewards Rate

No rewards — built for intro APR financing

Min. Credit Score

670+ (est.)

Intro APR

0% on purchases & qualifying balance transfers for 21 months

Rates & Fees

Annual Fee

$0

Purchase APR

17.49%–28.24% variable

Intro APR

0% on purchases & qualifying balance transfers for 21 months

Foreign Transaction Fee

3%

Balance Transfer Fee

3% intro (min $5) for qualifying transfers made within 120 days, then up to 5% ($5 min)

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $40

Detailed comparisons

Reflect vs. Citi Simplicity

Compare promotional APR terms and payoff math.

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Wells Fargo Reflect® Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Est. Annual Rewards

$0/yr

After $0 Annual Fee

$0/yr

Based On

$1,950/mo

Key Features

21-month 0% intro APR on purchases and qualifying balance transfers

$0 annual fee

Cell phone protection up to $600 with a $25 deductible

Pros & Cons

Pros

  • One of the longest intro APR windows from a major issuer
  • Useful for both large purchases and balance transfers
  • Includes Wells Fargo cardholder perks like Credit Close-Up and My Wells Fargo Deals

Tradeoffs

  • No ongoing rewards program
  • 3% foreign transaction fee
  • Balance transfers must be made within 120 days to qualify for the intro rate

How to Apply

Check whether your credit profile is a reasonable fit — Wells Fargo generally looks for applicants around 670+ FICO for the Wells Fargo Reflect® Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Wells Fargo's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Wells Fargo Reflect® Card$017.49%–28.24%No rewards — built for intro APR financing
Citi® Diamond Preferred® Card$016.49%–27.24%No rewards — optimized for debt payoff
Citi Simplicity® Card$017.49%–28.24%No rewards — built around fee-free debt payoff
Chase Sapphire Preferred®$9521.49%–28.49%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Frequently Asked Questions

What credit score do I need for the Wells Fargo Reflect® Card?

Wells Fargo generally looks for applicants with a credit score around 670+ for the Wells Fargo Reflect® Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Wells Fargo Reflect® Card?

The Wells Fargo Reflect® Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Wells Fargo Reflect® Card have a sign-up bonus?

The Wells Fargo Reflect® Card doesn't currently advertise a promotional sign-up bonus — its value comes primarily from its ongoing rewards rate rather than a one-time bonus.

What fees should I watch for on the Wells Fargo Reflect® Card?

Beyond the annual fee, check the foreign transaction fee (3%), balance transfer fee (3% intro (min $5) for qualifying transfers made within 120 days, then up to 5% ($5 min)), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $40). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Wells Fargo Reflect® Card compare to similar cards?

The Wells Fargo Reflect® Card is one of several balance-transfer cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of balance-transfer cards for more options.

Other Credit Cards

Citi® Diamond Preferred® Card

No rewards — optimized for debt payoff

Citi Simplicity® Card

No rewards — built around fee-free debt payoff

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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