Pay down debt, secure your future, and embrace a worry-free lifestyle.
Main benefits
The card offers 0% introductory APR on purchases and qualifying balance transfers for up to 21 months if you make your minimum payments on time.
After the 0% period, the APR varies, depending on credit, between ~17.24% to ~28.99% (variable).
Cell phone protection: Up to $600 against theft or damage when you pay your cell phone bill with your card, with a deductible of approximately $25, limited to two claims per 12 months.
🔍 Key Features
| Feature | Details |
|---|---|
| Intro APR | 0% for 21 months from account opening on purchases and qualifying balance transfers. travelcardinsider.com+3Forbes+3Bankrate+3 |
| Regular APR | After intro period: 17.24%, 23.74%, or 28.99% (variable), depending on creditworthiness. Forbes+2Bankrate+2 |
| Annual Fee | $0. No fee to keep the card. Forbes+1 |
⚠️ What to Watch Out For
- Balance Transfer Fee: 5% of the amount transferred (minimum $5) if done within the qualifying period. Forbes+2CNBC+2
- Foreign Transaction Fee: 3% applies to purchases made outside the U.S. Forbes+2Bankrate+2
- No Rewards Program: This card doesn’t offer standard rewards (cashback, points, miles) for purchases. Forbes+2Business Insider+2
- Limited Perks: Some added benefits like cell phone protection & My Wells Fargo Deals, but not many extras. Forbes+2Business Insider+2
🎯 Who It’s Best For
- People who have existing credit card debt and want to move it to a card with zero interest for a long time.
- Those making large purchases they can pay off over that 21-month intro APR — providing “interest-free” sort of financing (if paid as required).
- Individuals with good to excellent credit who can meet the payment requirements without late payments. CNBC+2Bankrate+2
✅ Bottom Line
The Wells Fargo Reflect Card is primarily a debt-relief / low interest card rather than a rewards or lifestyle card.
Its main draw is the long 0% APR period (both for new purchases and for qualifying balance transfers) with no annual fee.
If you want to avoid or reduce interest payments, and you can pay off balances before (or by) the end of the intro period, this card can be very useful.
But if you’re looking for rewards, bonus perks, or using the card internationally, there may be better options.
