Wells Fargo Reflect® Card

Wells Fargo is an Experian Partner

Wells Fargo Reflect® Card logo.

Wells Fargo Reflect® Card

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

  • 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.
00
See all Wells Fargo offers

Learn more about credit cards

What Is a Balance Transfer and Is It Worth it?

6 min • Mar 23, 2026

Balance Transfers

How Long Does a Balance Transfer Take?

4 min • Mar 17, 2026

Balance Transfers

How to Change Your Credit Card Due Date

5 min • Mar 26, 2026

Credit Card Basics

When Is the Best Time to Pay My Credit Card Bill?

5 min • Mar 24, 2026

Credit Card Basics

What Is a Co-Branded Credit Card?

6 min • Mar 18, 2026

Credit Card Basics