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Wells Fargo Reflect Card review: One of the best intro APRs currently available for new cardholders
The Wells Fargo Reflect® Card has one of the best introductory APR offers available right now, giving new cardholders up to 21 months with 0% APR. While there are no ways to earn cash back, points, miles, or other rewards, you can use this card to pay off high-interest debt without building up interest in the process.
See more of today’s best balance transfer credit cards and 0% APR credit cards
- Annual fee$0
- Welcome offerNone
- Introductory APR0% intro APR on purchases and balance transfers for the first 21 months, after which the standard APR applies
- Purchase APR18.24% - 29.99% variable
- Rewards rateNone
- Benefits
- Get up to $600 of cell phone protection against damage or theft
- 0% introductory APR is useful to finance large purchases or transfer a balance from another card
Who is the Wells Fargo Reflect card best for?
The Wells Fargo Reflect card is best for those who are currently in credit card debt and need a way to get ahold of it. If you’re carrying around a lot of credit card debt, you can apply for the Wells Fargo Reflect credit card and transfer an existing balance. Then you can make manageable monthly payments without facing interest charges.
This card is also best for those who need to make a large purchase and can benefit from carrying a balance for a while without building up interest charges. This could be for paying off a large medical bill, education costs, home repairs, or something else.
Related: How does credit card interest work?
Wells Fargo Reflect card pros
Even though you don’t get the opportunity to earn cash back or points rewards with the Wells Fargo Reflect Card, there are other types of benefits.
No annual fee
There’s no annual fee to use this card. That’s enticing for credit card users who want to use the Wells Fargo Reflect’s 0% APR offer without paying to open the card.
Some top cash-back cards also have intro 0% APR offers. Read more about the best cash-back credit cards today
Free credit score access
Through your Wells Fargo account, you can check your monthly FICO score to monitor your credit. Checking your own credit score doesn’t hurt your score, so making sure you’re building up your score helps.
Some places charge you to check your credit score and report. But you don’t need to pay to do that here. If you want to stay on track with your credit, it’s important to regularly check your credit score and history.
Read more: How to use credit cards to build your credit score
Cell phone protection
You can get up to $600 of cell phone protection if your phone is damaged or stolen when you use your Wells Fargo Reflect card to make phone payments. There’s a $25 deductible, and you can make up to two claims per 12-month period.
While this is only supplemental coverage and doesn’t replace your regular cell phone insurance plan, it might come in handy if all your other insurance options have been used and you’re still looking for assistance.
My Wells Fargo Deals
Having the Reflect card gets you access to exclusive deals offered by select merchants through My Wells Fargo Deals.
Many banks offer deals just for customers of the bank and credit card users. You’ll need to individually activate each reward to take advantage of it before the expiration date.
Zero liability protection
You’re not responsible for any unauthorized transactions. So if your card gets lost and you end up with transactions you didn’t make, you don’t have to pay for them.
Keep in mind that even if you didn’t make certain transactions, you do have to report them in a timely manner so you aren’t on the hook for credit card payments.
Roadside assistance
With your card, you get access to a 24/7 on-demand roadside dispatch network. This can be used for emergency vehicle services, towing, and even a locksmith.
Wells Fargo Reflect card cons
There are some great benefits to using the Wells Fargo Reflect card, but there are also some downsides.
Some fees apply
You could face up to a $40 late fee if you don’t make on-time payments every month.
There's also a 3% foreign transaction fee when you use your card outside of the U.S. If you take out a cash advance you’ll pay a fee of 5% of the advance or $10 (whichever is greater). For balance transfers, there’s a fee of 5% of the balance or $5 (whichever is greater).
No rewards
This card doesn’t offer any traditional rewards, so you don’t earn anything back when you use your card.
Many cards offer some type of reward, whether it’s cash back, points, or miles that you can redeem as cash back into your bank account or as a statement credit. But this Wells Fargo card doesn’t offer those benefits.
If you’re looking to earn rewards on your spending, check out our top rewards credit cards
Where can you use the Wells Fargo Reflect card?
You can use the Wells Fargo Reflect card wherever Visa is accepted all over the world. This includes local purchases, like at the gas station and grocery store. Or you can use it overseas at hotels, restaurants, car rentals, and other merchants (though you’ll pay a foreign transaction fee).
How to make a Wells Fargo Reflect card payment
Log into your Wells Fargo account online or through the mobile app to manage your credit card payments. You can set up autopay, make a one-time payment, check your balance, review transactions, and more.
You can also call the number on the back of your card and make a payment over the phone or even pay at a Wells Fargo ATM.
Wells Fargo Reflect card customer service info
Wells Fargo customer service is available 24/7. So you can call and talk to someone whenever you need help. Call the number on the back of your card or 1-800-642-4720. From here, you can get help with your account, report your card as lost or stolen, file a fraudulent charge, or anything else you need related to your account.
You can also visit a Wells Fargo branch near you to talk to someone in person about your card and account.
Alternative cards to consider
While the Wells Fargo Reflect card might be a good fit if you want a longer period to pay down existing debt or avoid interest on new purchases, it may not be the best card for everyone. If you want to look into other cards, consider these alternatives.
- Annual fee$0
- Welcome offerEarn a $200 statement credit after spending $2,000 within the first 6 months
- Introductory Purchases APR0% on purchases for 15 months
- Ongoing Purchases APR18.49%-29.49% Variable
- Introductory Balance Transfer APR0% on balance transfers for 15 months
- Ongoing Balance Transfer APR18.49%-29.49% Variable
- Rewards rate
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back on U.S. online retail purchases (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in purchases, then 1%)
- 1% cash back on all other purchases
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout
- Benefits
- Generous intro APR on purchases and balance transfers
- Get a $7 monthly statement credit after spending $9.99 or more on a streaming subscription to the Disney Bundle, plus earn up to $15 in monthly statement credits after purchasing a Home Chef subscription
Why we like it: This no annual fee Amex card (see rates & fees) offers a solid intro APR on new purchases and balance transfers after opening your account. It’s not as long as the Wells Fargo Reflect card, but the Blue Cash Everyday card also comes with many other perks. You’ll get 3% cash back* at U.S. supermarkets, on U.S. online retail purchases, and at U.S. gas stations (each up to the first $6,000 spent per year, then 1%) and 1% back on all other purchases. New cardmembers also get $200 back as a statement credit after spending $2,000 in the first six months of account opening.
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Read our full review of the Blue Cash Everyday Card from American Express
- Annual fee$0
- Welcome offerEarn a $200 cash bonus after spending $500 within the first 3 months
- Introductory APR0% intro APR on purchases and balance transfers for 15 months, then variable 19.74% - 29.74% APR
- Purchase APR19.74% - 29.74% variable
- Rewards rate
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 1.5% cash back on all other purchases
- Benefits
- 0% intro APR on purchases and balance transfers for the first 15 months
- No foreign transaction fees
Why we like it: The Quicksilver card also has a generous intro APR for both new purchases and balance transfers, but in addition, you’ll get unlimited 1.5% cash back on every purchase. You can also earn 5% cash back on hotels and rental cars booked through Capital One Travel. New cardmembers get $200 back after spending $500 in the first three months of account opening. There’s no foreign transaction fee and no annual fee for the Capital One Quicksilver and you can redeem your cash back as cash into your account, for statement credits, and more.
Read our full Capital One Quicksilver Cash Rewards Credit Card review
- Annual fee$0
- Welcome offerEarn $250 cash back after spending $500 on purchases in the first 3 months
- Introductory APR0% intro APR on purchases and balance transfers for 15 months, then variable 19.74% - 29.74% APR
- Purchase APR19.74% - 29.74% variable
- Rewards rate
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)
- 1% cash back on all other purchases
- Benefits
- Get a 0% APR on purchases and balance transfers for the first 15 months
- No foreign transaction fees
Why we like it: With this card, you can earn 5% cash back on hotels and rental cars you book through Capital One Travel; 3% back at grocery stores (not including Target and Walmart), on dining, entertainment, and popular streaming services; and 1% cash back on all other purchases. With the Capital One Savor card’s welcome bonus, you can get $250 cash back when you spend at least $500 within the first three months. There’s no annual fee and this card also comes with an intro 0% APR on purchases and balance transfers.
Read our full Capital One Savor Cash Rewards Credit Card review
This article was edited by Kendall Little
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.
