Wells Fargo Reflect® Card Review

A top choice among 0% APR credit cards

When it comes to 0% APR credit cards, the Wells Fargo Reflect® Card stands out for offering one of the longest intro periods in the market: up to 21 months of 0% intro APR on both purchases and balance transfers.

For consumers looking to pay off credit card debt or finance large expenses without interest, this card is often ranked among the best balance transfer credit cards available.

But is it the right choice for you? Let’s dive into the benefits, drawbacks, and how it compares to alternatives.

Key Features

• 0% intro APR for 18 months (extendable to 21 months with on-time minimum payments).
• Applies to purchases and balance transfers (5% fee, min. $5).
• No annual fee – truly a no interest credit card.
• Cell phone protection: up to $600 against theft or damage when you pay your bill with Reflect®.
• Visa benefits: Zero Liability protection, fraud monitoring, and Roadside Dispatch®.
• Access to Wells Fargo Deals for targeted cashback offers.

Pros

1. Longest 0% APR Offer Available
   With up to 21 months of no interest, the Reflect® Card provides unmatched breathing room to eliminate debt without accumulating extra costs.
2. No Annual Fee
   Unlike some competitors, the Reflect charges $0 annually, making it a low-maintenance tool for managing debt.
3. Cell Phone Protection
   Coverage of up to $600 (subject to $25 deductible) is a rare perk in this category.
4. Balance Transfer Flexibility
   Perfect for consolidating high-interest credit card debt into one manageable plan.
5. Security & Peace of Mind
   Fraud monitoring and Visa Zero Liability make it a safe option for everyday use.

Cons

1. No Rewards Program
   Unlike cards that offer cashback or travel points, the Reflect provides no ongoing rewards.
2. High Balance Transfer Fee (5%)
   If you’re moving a large amount, this upfront cost can eat into savings.
3. Foreign Transaction Fee (3%)
   Not suitable for international travelers – each foreign purchase will incur extra charges.
4. Limited Long-Term Value
   Once the intro APR ends, the card’s APR reverts to 16.99%–28.74% variable. Without rewards, it may not justify ongoing use.
5. Approval Requires Good/Excellent Credit
   Applicants typically need a FICO score of 670+ for approval.

Who Should Consider the Wells Fargo Reflect® Card?

• Best for debt repayment: If your goal is to pay off credit card debt, this card offers the longest runway with no interest.
• Smart for large purchases: Planning a big expense you can pay off within 21 months? Reflect® gives you time without added costs.
• Not for frequent travelers: The 3% foreign transaction fee makes it a poor choice for use abroad.
• Not for reward-seekers: If you want cashback, points, or travel perks, look elsewhere.

Expert Opinions

• NerdWallet: Rated 4.5/5 – “Excellent for debt repayment, but little long-term value.”
• Bankrate: Rated 4.3/5 – “Among the best balance transfer credit cards, but high transfer fees may hurt.”
• Forbes Advisor: Praises the long 0% APR but notes “lack of rewards and perks.”

Alternatives to Consider

• Wells Fargo Active Cash® – 2% unlimited cashback, plus intro APR period.
• Citi® Diamond Preferred® – Another long balance transfer card with similar features.
• Discover it® Balance Transfer – Slightly shorter APR intro, but with cashback rewards.

Conclusion

The Wells Fargo Reflect® Card is one of the best 0% APR credit cards available today, perfect for consumers who need time to tackle debt or finance large purchases without interest. Its no annual fee structure makes it cost-effective, while the 21-month intro APR is unbeatable.

However, its 5% balance transfer fee, no rewards program, and foreign transaction charges limit its long-term value. For the right consumer someone focused on debt payoff it can save hundreds or even thousands in interest.

For others, especially those seeking ongoing rewards or travel perks, a different option may be a better fit.