The Wells Fargo Reflect Card is designed for individuals who prioritize low-cost borrowing and long-term financial flexibility. With up to 21 months of 0% intro APR and zero annual fees, this card offers one of the most generous interest-free windows in the market. It’s a practical choice for anyone looking to reduce interest charges, finance major purchases, or consolidate high-interest debt.
From built-in cell phone protection to real-time security alerts and mobile account management, the Reflect Card simplifies credit usage while helping you stay protected and informed every step of the way.
Benefits of the Wells Fargo Reflect Card
Discover why Reflect is more than a low-interest credit card:
Longest 0% Intro APR in Its Class
With 18 months of 0% introductory APR on purchases and qualifying balance transfers—and the possibility to extend it to 21 months with consistent on-time minimum payments—Reflect gives you the longest possible time to pay off balances without interest.
No Annual Fee, Ever
This card is built for saving money. No annual fee means you can focus on paying down your balance or using your card responsibly without added costs.
Up to $600 in Cell Phone Insurance
Pay your monthly wireless bill using your Reflect Card and get coverage for theft or damage, up to $600 per claim (maximum two claims per 12-month period, $25 deductible applies). No forms to fill out—just pay with the card.
Tap and Go Convenience
The Reflect Card features contactless technology, allowing for quick and secure payments at checkout. Just tap, and you’re done—faster, easier, and cleaner.
Exclusive Cashback Offers with Wells Fargo Deals
Enjoy access to personalized cashback opportunities from top retailers when you activate offers through Wells Fargo. Earn automatic statement credits after qualifying purchases.
Zero Liability Fraud Protection
With Wells Fargo’s zero liability policy, you’re not responsible for unauthorized charges. Combined with 24/7 fraud monitoring, this gives you peace of mind every time you use your card.
Digital Tools for Total Access
The Wells Fargo Mobile app makes it easy to check balances, make payments, set alerts, view your FICO Score, and track your spending—all from your smartphone or desktop.
Customize Payment Settings
You can set up autopay to avoid missed due dates, or pick a payment due date that fits your financial schedule. It’s flexibility built around your real life.
Consolidate and Save with Balance Transfers
Reflect allows you to transfer balances from other high-interest cards during the intro period. The 5% transfer fee ($5 minimum) is often outweighed by the interest savings over the long 0% APR duration.
FICO Score Access for Free
Your credit score is a key part of your financial journey. Wells Fargo provides access to your FICO Score at no cost so you can monitor your progress.
Who Qualifies for the Reflect Card?
This card is best suited for those who:
- Have good to excellent credit (FICO 670 or higher)
- Need to finance purchases or transfer debt
- Prefer a card with straightforward terms and no annual fee
You must be at least 18 years old, a legal U.S. resident, and meet credit and income qualifications.
How to Apply for the Reflect Card
Applying is fast and easy. Here’s how:
- Go to the Reflect Card page on the Wells Fargo website.
- Click “Apply Now” and begin the secure application.
- Provide your name, income, Social Security number, and housing status.
- Submit the application and receive a response—usually within seconds.
- If approved, expect your card to arrive in the mail in about a week.
Frequently Asked Questions
What does the intro APR include?
You’ll get 0% intro APR on purchases and eligible balance transfers for 18 months. Make every minimum payment on time and your intro APR may be extended by 3 additional months.
Is there a cost to carry this card?
No. There’s no annual fee, and you only pay fees if you make late payments or transfer balances (5% fee applies to transfers, minimum $5).
How does the phone insurance work?
Simply pay your monthly phone bill with your Reflect Card. Coverage kicks in automatically—no enrollment needed. You can file up to two claims per year.
Are there rewards?
While the Reflect Card doesn’t have a points-based rewards program, you can earn cash back through Wells Fargo Deals when activating and using eligible offers.
Can I apply with fair credit?
Applicants with good credit typically qualify. If your score is below 670, approval may be difficult, but income, payment history, and other factors are also considered.
