- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Wells Fargo Reflect® Card
Wells Fargo is an Experian Partner
Recommended FICO® ScoreΘ
Good - Exceptional
Annual Fee: | $0 |
|---|---|
Intro APR: | 0% intro APR for 21 months from account opening on purchases and 0% intro APR for 21 months from account opening on qualifying balance transfers |
Ongoing APR: | 17.24%, 23.74%, or 28.99% Variable APR |
Ongoing Balance Transfer APR: | 17.24%, 23.74%, or 28.99% Variable APR |
How to find the best credit card for you
With Experian, you can compare personalized credit card offers matched to your credit profile from partners like Wells Fargo and more.
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Look for these features when comparing credit cards
Pre-approval
Check to see if you have pre-approved credit card offers. Most Experian members who visit our marketplace do.

No Ding Decline™
Worried about your credit when applying for a new card? Cards labeled ‘No Ding Decline’ won't hurt your credit scores if you are not approved.⊛









