New 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. New 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 ReflectSM 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. 12.99% to 24.99% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.

Enjoy our lowest intro APR
for up to 21 months

18
months of our
lowest intro APR

from account opening on
purchases and qualifying
balance transfers

+ UP TO

3
months 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

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

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 Opens in a new window.. 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. Opens in a new window..

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. Opens in a new window. 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. Opens in a new window., 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. Opens in a new window. for the most current rate and fee information.

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

Apply for the new 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 ReflectSM Card

Enjoy our lowest intro APR for up to 21 months

0% intro APR for up to 21 months on purchases and qualifying balance transfers