Wells Fargo Reflect Card Review

The Wells Fargo Reflect Card offers a helping hand with a lengthy 0% intro APR, making it easier to manage life’s big expenses with less stress and more peace of mind.

The Wells Fargo Reflect Card is built for people who want the longest intro APR possible and nothing more. No distractions. No gimmicks. Just time—time to pay off your balance without interest getting in the way. If your goal is to reduce debt or avoid interest on big purchases, this card gives you a clean, practical tool to do exactly that.

Why Wells Fargo Reflect Card is a Straightforward Choice

1. Up to 21 Months of 0% Intro APR

Start with 18 months of 0% APR on purchases and balance transfers. Pay on time and get 3 more months added, for a total of 21.

2. $0 Annual Fee

No cost to carry this card, so all your savings stay in your pocket.

3. No Rewards

No points, no cash back, no distractions. Just focus on saving interest.

4. Works for Balance Transfers

Use it to pay down higher-interest cards. Transfers made in the first 120 days qualify for the intro APR.

5. Mobile Tools Included

Track everything from the Wells Fargo app and get account alerts.

6. Tap and Pay Ready

Supports Apple Pay®, Google Pay™, and Samsung Pay.

7. Cell Phone Protection

Get up to $600 protection if you pay your phone bill with this card (terms apply).

8. No Penalty APR

Late payment? No sudden interest spikes—but you still want to pay on time to keep your 21-month deal.

9. Fraud Protection

Zero liability for unauthorized transactions. Standard but important.

10. Reliable and Easy to Use

No rewards to manage. Just one purpose: save you interest.

Who Can Apply?

Wondering if you can get the Wells Fargo Reflect® Card? Here’s a quick checklist:

• Are you 18 or older? (Some states require you to be 19.)
• Do you have a U.S. residential address—not a P.O. box?
• Got a valid Social Security Number or ITIN?
• Is your credit score in the good-to-excellent range—around 670 or above?
• And do you have steady income to support a credit line?

If you’re nodding yes to all these, you’re likely a great candidate!

How to Apply

Applying for the Wells Fargo Reflect Card is quick and convenient. Here’s how to get started:

1. Visit the Wells Fargo Reflect Card Page – Head over to the official Wells Fargo website and locate the Reflect Card product page.
2. Click “Apply Now” – Once you’re on the card’s page, click the “Apply Now” button to begin your secure online application.
3. Fill Out the Application Form – Provide your personal details, including your name, address, Social Security Number (or ITIN), employment status, and income information.
4. Submit Your Application – Double-check your information and hit submit.
5. Get a Decision – In most cases, you’ll receive a credit decision within seconds. Some applications may require additional review, which could take a bit longer.

If approved, you’ll receive your new card by mail and can begin enjoying the benefits right away.

Frequently Asked Questions

1. How do I get the full 21 months?

Just pay at least the minimum due on time each month.

2. Are there foreign transaction fees?

Yes. This card isn’t meant for international travel.

3. Can I carry a balance after 21 months?

Yes, but interest will apply at a variable APR.

4. Do I get charged if I miss a payment?

Late fees may apply, and you risk losing the APR extension.