Wells Fargo Reflect® Card
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.
Enjoy our lowest intro APR
Lowest intro APR for 21 months
from account opening on purchases and qualifying balance transfers
Additional card features
Cellular Telephone 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 apply1
My Wells Fargo Deals
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.3
Zero Liability protection
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.4
With Credit Close-Up℠ you own the skills to help 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 negatively affect your score.5
For additional information, visit wellsfargo.com/ficoscore
Reflect® Card Awards
The Ascent, a Motley Fool Service
2022 Best 0% Intro APR Credit Card
2022 Best Balance Transfer Credit Card
2022 Best 0% Intro APR and Balance Transfer Credit Card
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All Rights Reserved
2022 Best Overall for Balance Transfer
2023 Best 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 review 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.