Wells Fargo Reflect Visa credit card with chip and contactless tap to pay technology. The maroon card features a vertical gold stripe down the center.

Wells Fargo Reflect^SM Card

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods. 14.49% to 26.49% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.

$0 Annual Fee

Important Credit Terms

Apply Now

Enjoy our lowest intro APR
for up to 21 months

18
months of our
lowest intro APR

of our lowest intro APR

from account opening on
purchases and qualifying
balance transfers

+ UP TO

3
months APR
extension

APR extension

when you make at least your minimum
monthly
payment on time during
the
introductory and
extension periods

= UP TO

21
months of our
lowest intro APR

of our lowest intro APR

Your good habits pay off
when
you pay on time!

Additional card features
and benefits

Cell phone protection

Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Terms apply.¹

Roadside Dispatch^®

A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when
you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information. Terms apply.²

My Wells Fargo Deals

An easy way to earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.³

Zero Liability protection

Built-in protection features ensure that you won't be held responsible for any unauthorized transactions, as long as they're reported promptly.⁴

Credit Close-up^SM

With Credit Close-Up^SM you own the skills to understand and track your FICO^® Score, raise it, or maintain
it. Enroll to receive monthly FICO^® Score updates and personalized credit insights. It’s complementary to
Wells Fargo Online^® customers and using it won’t affect your score.⁵

For additional information, visit wellsfargo.com/ficoscore

Reflect^SM Card Awards

The Ascent, a Motley Fool Service

2022 Best 0% Intro APR Credit Card
2022 Best Balance Transfer Credit Card

NerdWallet

2022 Best 0% Intro APR and Balance Transfer Credit Card

Reflect Credit Card FAQs

You can request a balance transfer when you submit a credit card application, which will be subject to approval.

If you already have the Wells Fargo Reflect Card, you can request a balance transfer by signing on to Wells Fargo Online. Then select Request Balance Transfer under Account Management to view available offers. You may also call 1-800-642-4720.

To learn more, please visit Wells Fargo Balance Transfers.

If you are approved for a balance transfer, the amount will be issued up to your available credit limit and will include any balance transfer fees. If you have multiple balance transfer requests, then the largest balance transfer request will be processed first.

Yes, typically there is a balance transfer fee associated with the Wells Fargo Reflect Card. Please refer to the Important Credit Terms for the most current rate and fee information.

It can take up to 14 days to post a balance transfer to your Wells Fargo Reflect Credit Card account.

To avoid paying interest on purchases, you must pay your entire outstanding balance, including the amount of any balance transfer and balance transfer fee, by the due date of the billing cycle in which the transactions occur. Any remaining balance you do not pay by your due date will incur interest as described in the Important Credit Terms, unless your purchases are subject to a limited-time introductory or promotional 0% APR.

There is no grace period on balance transfers. Interest will begin to accrue on the day the balance transfer posts to your account.

There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information.

The Wells Fargo Reflect Card has no annual fee. Please refer to the Important Credit Terms for details on other fees and current rate information.

The Reflect Card has been awarded accolades by Nerdwallet, Wallethub, and The Ascent, a Motley Fool service including, Best Balance Transfer Credit Card, Best 0% Intro APR Credit Card, and Best Overall Credit Card for Best Rates.

Apply for the Wells Fargo Reflect Visa credit card with chip and contactless tap to pay technology. The maroon card features a vertical gold stripe down the center.

Wells Fargo Reflect^SM Card

0% intro APR for up to 21 months on purchases

and qualifying balance transfers

Reflect^SM Card

Important Credit Terms

Apply Now

Read the Wells Fargo Reflect^SM Visa Card Agreement and the Visa Guide to Benefits to learn more.

Credit card is subject to credit qualification.

Eligibility for introductory rate(s), fees, and bonus rewards offers

You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo credit card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers — even if that account is closed and has a $0 balance.

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

1. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp.

Note:
Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. ←back to content
2. A minimum $69.95 service charge will apply to the Cardholder's account. Rates apply to vehicles up to 10,000 pounds gross vehicle weight only. Cardholders are required to pay the service provider for mileage over five miles. Emergency roadside assistance and towing may not be available in all areas. The roadside assistance and towing service provider is solely responsible for any liability associated with use of roadside dispatch services. Certain restrictions and limitations apply. Please review the Wells Fargo Reflect^SM Visa Card Guide to Benefits for details. ←back to content
3. You must activate a deal and use your eligible card to make purchases directly with the merchant providing the deal by the expiration date. Purchases must satisfy all the requirements in the My Wells Fargo Deals Terms and Conditions and the Deal Terms in order to qualify for the deal. Cash back will not be earned on any portion of a purchase transaction that is paid for with store credit, gift certificates, or other payment types. If you pay using a digital wallet or through a third-party provider, or if the merchant uses a mobile or wireless card reader to process your payment, you may not have fulfilled the requirements to redeem the deal and receive the cash back. Cash-back transactions will appear in the form of a statement credit on the eligible card account within 90 days of the deal expiration date. Cash back or statement credits may be reversed if a qualifying purchase is returned or canceled. Refer to the My Wells Fargo Deals Terms and Conditions for details. ←back to content
4. You won't be held responsible for any promptly reported unauthorized transactions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement. ←back to content
5. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO^® Score available, and enrolled in Wells Fargo Online®. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO^® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. ←back to content

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Wells Fargo ReflectSM Card

Enjoy our lowest intro APR for up to 21 months

18 months of our lowest intro APR

of our lowest intro APR

3 months APR extension

APR extension

21 months of our lowest intro APR

of our lowest intro APR

Additional card features and benefits

Cell phone protection

Roadside Dispatch®

My Wells Fargo Deals

Zero Liability protection

Credit Close-upSM

ReflectSM Card Awards

The Ascent, a Motley Fool Service

NerdWallet

Reflect Credit Card FAQs

How do I make a balance transfer request on the Wells Fargo ReflectSM Card?

Is there a balance transfer limit on the Wells Fargo Reflect Card?

Is there a balance transfer fee associated with the Wells Fargo Reflect Credit Card?

How long will a balance transfer request take to post to my Wells Fargo account?

Additional Reflect Credit Card FAQs

Is there a period with no interest charged on purchases and balance transfers with the Wells Fargo Reflect Card?

Does the Wells Fargo Reflect Credit Card have a foreign transaction fee?

Is there an annual fee on the Wells Fargo Reflect Credit Card?

Has the Wells Fargo Reflect Card won any awards?

Other things you need to know

Wells Fargo Reflect^SM Card

Enjoy our lowest intro APR
for up to 21 months

18
months of our
lowest intro APR

3
months APR
extension

21
months of our
lowest intro APR

Additional card features
and benefits

Roadside Dispatch^®

Credit Close-up^SM

Reflect^SM Card Awards