Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Wells Fargo Reflect® Card Review

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Wells Fargo Reflect® Card Review

For no annual fee, you get access to a 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers.

Wells Fargo Reflect® Card Review

Wells Fargo Reflect® Card Review

Learn More

For no annual fee, you get access to a 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


The Wells Fargo Reflect® Card shines in the world of credit cards with its stand-out feature: an impressively long 0% APR introductory offer for both purchases and balance transfers.

This card is designed for individuals looking to manage existing debt or finance new purchases without the added cost of interest for a substantial grace period.

With no annual fee and an opportunity to extend the intro APR period with timely payments, it appeals to those who prioritize savings and fiscal prudence. This card also includes standard Wells Fargo benefits, adding value for the conscientious consumer.

Welcome Bonus

When exploring credit card options, many potential cardholders are particularly drawn to the welcome bonuses that come along with new card acquisitions. A stellar welcome bonus can be a significant incentive, sometimes offering a hefty sum of rewards points, cashback, or other advantages upon meeting certain criteria. However, not all credit cards emphasize a welcome bonus as part of their primary offerings.

In the case of the Wells Fargo Reflect® Card, it is essential to note that the core attraction of this credit card is not a traditional rewards-based welcome bonus, but rather its extended 0% APR introductory period. Unlike cards that focus on points or cash back as a sign-up enticement, the Reflect Card concentrates on providing long-term value through interest savings. Thus, rather than expecting reward points or a lump sum of cash back upon first purchase or after spending a certain amount within the first few months, cardholders should look forward to alleviating interest fees over a prolonged period.

The absence of a traditional welcome bonus is not necessarily a disadvantage; it merely indicates that the card caters to a different kind of financial need. For users who are looking to make substantial purchases upfront or transfer balances from other high-interest credit cards, the Reflect® Card’s introductory offer provides a considerable window of time—up to 21 months based on payment punctuality—to pay off these balances without accruing additional interest charges.

It’s important to note that while the 0% APR is a substantial benefit, the card does require responsible use and diligent payment habits. To maximize the benefit of the introductory offer, users should be aware of the terms and have a repayment plan to avoid falling into debt once the promotional period ends.

Earning Rewards

Credit cards can be potent tools for earning rewards, which often translate into points, miles, or cashback on your purchases. Many cardholders gravitate towards cards that offer them a percentage back on their spending, whether it’s at the supermarket, at the gas station, or when dining out. Such rewards can be redeemed in various ways, from statement credits to travel bookings, making them a versatile benefit of using credit.

The Wells Fargo Reflect® Card, however, takes a different approach. Instead of a rewards program, the primary incentive lies within its financing features. The card does not offer points, miles, or cashback on purchases. This focus on financing rather than rewards is designed for consumers who have specific goals in mind, such as paying down debt or financing a large purchase without the concern of accruing interest quickly.

For individuals who do not carry a balance and pay off their card every month, a rewards credit card may be more appealing. However, the Reflect Card is tailored for those who are looking for a financial reprieve from high-interest rates, which over time can potentially save them more money than they would earn in rewards on another card.

Nevertheless, it is crucial for cardholders to have a clear understanding of their financial habits and goals when choosing a credit card. If minimizing interest and paying down debts is the priority, then the Wells Fargo Reflect® Card and its lack of a traditional rewards program could be a prudent choice. On the flip side, if earning rewards on everyday spending and having the potential to indulge in the fruits of those earnings is essential, then this might not be the right card.

Even without a conventional rewards earning structure, cardholders should still consider the potential benefits and protections that come with the Wells Fargo Reflect® Card, such as cell phone protection when you pay your cell phone bill with the card.

Redeeming Rewards

The subject of redeeming rewards is typically exciting for credit card users, as it taps into the “treat yourself” aspect of responsible spending. People often rack up points, miles, or cashback with an eye towards eventually exchanging them for travel, gift cards, merchandise, or even statement credits. However, this area of credit card benefits doesn’t apply to all types of credit cards.

For the Wells Fargo Reflect® Card, the conversation around redeeming rewards takes a backseat simply because this card does not operate on a rewards system. As mentioned earlier, the Reflect Card is primarily a balance transfer and purchase card that provides a lengthy 0% APR introductory offer rather than a platform for earning and redeeming points or cashback. This feature is the card’s central selling point, particularly for those aiming to consolidate debt and avert the accumulation of interest charges over time.

Hence, for cardholders of the Reflect® Card, the concept of “redemption” shifts from reaping the immediate, tangible benefits of collected rewards to a more financial-management-oriented advantage. The “reward,” if one can term it as such, is the money saved on interest, which in the long run can have a significant impact on one’s financial health.

The lack of a redemption process means there’s no need for cardholders to keep track of points, figure out conversion rates, or wait to accumulate enough rewards to claim a desired item or service. This simplifies use for the cardholder, allowing them to focus solely on their financial goals without being lured into additional spending by the prospect of rewards.

In summary, the Wells Fargo Reflect Card serves a different purpose compared to traditional rewards cards. It caters to the financial well-being of its users by providing a lengthy reprieve from interest charges. This unique aspect ensures that the card sits within a specific niche – a purposeful financial tool for those looking to pay down balances, not a rewards engine.

Perks and Benefits

The right credit card perks and benefits can significantly enhance the user experience, offering additional value beyond basic credit functions. Many credit cards offer a plethora of additional features, from travel insurance and airport lounge access to extended warranties and concierge services. While these extras can be incredibly valuable, it’s essential to align them with your personal or business needs.

The Wells Fargo Reflect® Card differentiates itself from other credit cards not through a rewards structure but through its beneficial terms for those interested in financing and managing debt. Nevertheless, it does come with a select number of perks and benefits that provide cardholders with additional protection and peace of mind:

  • Cell Phone Protection: Cardholders have access to up to $600 of protection (subject to a $25 deductible) against covered damage or theft when they pay their monthly cell phone bill with the Wells Fargo Reflect Card.
  • Extended Intro APR: One of the primary benefits of this card is its extended 0% APR introductory offer on purchases and eligible balance transfers (up to 21 months), which can be a significant cost saving on interest.
  • Auto Rental Collision Damage Waiver: Offers secondary rental car coverage when you pay for an auto rental with your card and decline the collision insurance offered by the rental company.
  • Roadside Dispatch: A pay-per-use roadside assistance program that provides services such as towing, tire changing, and jump-starting a battery.
  • Travel and Emergency Assistance Services: If you encounter problems while traveling, this service provides referrals and assistance for legal and medical emergencies.
  • Zero Liability Protection: Ensures that cardholders aren’t held responsible for unauthorized transactions as long as they are reported promptly.

It is important to note that these benefits are supplemental and do not replace primary insurance coverages or emergency services. Cardholders are encouraged to read the fine print and understand the limitations and conditions under which these services apply.

While the Wells Fargo Reflect® Card may not boast a broad spectrum of luxury perks, the features it does offer can add substantial value in the right circumstances. Choosing this card can be a wise decision for those who are less interested in collecting points and more focused on financial strategy and the long-term benefits of saving on interest.

Pros and Cons

Every credit card on the market comes with its own set of advantages and drawbacks, tailored to different consumer needs and preferences. To provide a comprehensive overview, it’s important to delve into the pros and cons of the Wells Fargo Reflect® Card. Here’s a balanced look at what this card has to offer:


  • Extended 0% APR Period: The Reflect® Card offers a 0% introductory APR for up to 21 months on both purchases and qualifying balance transfers, which is at the higher end of the spectrum for introductory offers.
  • No Annual Fee: This card does not charge an annual fee, making it a cost-effective choice for consumers.
  • Potential To Extend Intro APR: Cardholders who make timely minimum payments during the introductory and extension periods can enjoy the 0% rate for up to 21 months.
  • Cell Phone Protection: Paying your monthly cell phone bill with your card provides up to $600 protection against covered damage or theft.
  • Added Perks: Although not a rewards card, it comes with benefits such as auto rental collision damage waiver, roadside dispatch, and travel and emergency assistance services.


  • No Rewards Program: There is no system for earning points, miles, or cashback on purchases, which might be off-putting for those who prefer rewards.
  • Balance Transfer Fee: There is a fee for balance transfers, which could cut into the savings you’d gain from the 0% APR offer.
  • Foreign Transaction Fee: Unlike some other cards, the Reflect Card charges fees for transactions made outside of the United States.
  • Requires Good to Excellent Credit: To be approved for the Reflect® Card, applicants generally need to have good to excellent credit, which may exclude some potential users.
  • Less Beneficial If You Don’t Carry a Balance: Since the card’s main benefit is the 0% introductory APR, it’s less useful for those who pay off their balance in full each month and could reap more rewards with a different card.

Understanding these pros and cons is indispensable for anyone considering the Wells Fargo Reflect® Card. It’s particularly well-suited for individuals focused on paying down debt or financing purchases without interest over an extended period. However, for those who pay their balance in full and are looking to earn rewards on their spending, there might be more appropriate options available.

Comparison to Other Cards

When considering a new credit card, it’s crucial to understand how it stacks up against the competition. Comparing cards can reveal which option best suits your spending habits, financial goals, and rewards preferences. For the Wells Fargo Reflect® Card, the comparison is often made against other balance transfer and low-interest credit cards.

The Wells Fargo Reflect® Card sets itself apart with one of the industry’s lengthiest introductory 0% APR periods on purchases and balance transfers. This puts it in a competitive position, especially for those looking to manage debt over an extended period without accumulating interest.

Let’s examine how the Reflect Card compares to some other popular options on the market:

Citi® Diamond Preferred® Card:

  • Similar to the Reflect® Card, this card offers a long 0% intro APR period on balance transfers and purchases.
  • It lacks the rewards earning structure seen on some other Citi cards.
  • Provides access to Citi Entertainment, which offers special access to purchase tickets to events.

Chase Slate Edge℠:

  • Offers a shorter 0% introductory APR period on purchases and balance transfers compared to the Reflect® Card.
  • After the intro period, the card offers opportunities to lower your interest rate.
  • No rewards program, similar to the Reflect Card.

U.S. Bank Visa® Platinum Card:

  • Another card with a lengthy intro APR period, though usually not as long as the Reflect® Card.
  • Also offers cell phone protection when you pay your phone bill with the card.
  • No rewards system on purchases.

Discover it® Balance Transfer:

  • Offers a generous introductory APR period on balance transfers and a shorter intro period on purchases.
  • Provides a cashback rewards program, which is a point of differentiation from the Reflect® Card.
  • Utilizes the Cashback Match feature, doubling all cashback earned in the first year.

For those whose primary aim is reducing interest-related expenses over time, the Wells Fargo Reflect Card stands out, thanks to its extended 0% intro APR offer. It’s a particularly appealing choice for consumers seeking to consolidate debt and pay down balances without the lure of rewards prompting additional spending. It’s essential, though, for potential cardholders to weigh the length of the APR offer against their ability to pay down the balance within that time frame.


In conclusion, the Wells Fargo Reflect® Card is a standout choice for individuals seeking to minimize interest charges over a generous introductory period. With no annual fee and a slew of protective benefits, it’s tailored for those with existing debt or upcoming large purchases.

While it lacks a rewards program, the potential interest savings can far outweigh traditional rewards for the right user. Assess your financial goals carefully; if they align with what the Reflect® Card has to offer—primarily the extended 0% APR—you may find it a valuable addition to your wallet.

Frequently Asked Questions

What is the ideal use for a balance transfer credit card? Balance transfer credit cards are ideal for consolidating and paying down high-interest credit card debt. By transferring balances from cards with higher APRs to a balance transfer card with a 0% intro APR, you can save on interest and potentially pay off debt faster.

How does a 0% intro APR help with managing debt? A 0% intro APR allows you to avoid accruing interest on new purchases or balance transfers for a set period, making every payment go entirely towards reducing the principal balance. This can help manage debt by making it easier to pay down without interest hindering your progress.

What should be considered when choosing a credit card with no rewards program? When choosing a credit card without a rewards program, consider the other potential savings and benefits it might offer, such as a long 0% intro APR period, no annual fee, and added protections like rental car insurance or cell phone coverage.

Are there hidden costs to be aware of with 0% intro APR credit cards? Always read the fine print. While 0% intro APR cards save you from paying interest for a time, they may have balance transfer fees, revert to higher APRs after the intro period, and could have other costs like foreign transaction fees or penalties for late payments.

Can a 0% intro APR period be extended, and if so, how? Some credit cards, like the Wells Fargo Reflect® Card, may offer an extension of the intro APR period if you meet specific criteria, such as making on-time minimum payments. Check your card’s terms and conditions to understand how you might qualify for an extension.

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