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Wells Fargo Reflect Card

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welcome offer

Up to 21 months 0% APR. Intro 0% APR for 18 months on purchases and balance transfers. Plus the Intro 0% APR can be extended up to 3 months when you make on-time minimum payments during the introductory and extension periods (after that 16.74% to 28.74% variable).

Bonus Value

Approximately $0

Annual Fee


Card Rewards

No rewards on all purchases

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The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Wells Fargo Reflect card offers an intro 0% APR offer of 18 months, with an extension period of 3 additional months of 0% APR if you make all your payments on time. The card also comes along with $600 cellphone protection (see details below).

Card-Smart Tips & Advice
  • Credit: Good credit needed

  • Max-cards: You might not qualify for a 2nd Wells Fargo credit card if you have opened a Wells Fargo card in the last 6 months

  • Credit report: Wells Fargo will usually pull your Experian credit report (in some states they pull Experian and Equifax)
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for same-day applications will be combined, but some data points suggest that credit inquiries for same-day applications will not be combined
  • Check application status: You can check your application status  here  or call 1 800 967 9521
  • Reconsideration: If declined you can call 1 866 412 5956 to have your application reconsidered
  • Quickest way to get my card: Your physical card can be expedited for a $16 fee. Wells Fargo will not offer an instant credit card number for your new card

Approval Monitor (submitted by HelpMeBuildCredit users)

77% Approved
718 Avg. Score of those approved
23% Denied
Approved 77% (24)
Denied 23% (7)

Credit limit range $1,500-$30,000

Avg. Credit limit$9,438

Approved 77% (24)
Denied 23% (7)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Balance Transfer Terms
  • Balance transfer fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
  • You cannot transfer balances from other credit cards issued by Wells Fargo bank
  • To receive the Intro APR Offer, transfers must be completed within the first 120 days of account opening
  • Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Card Details And Benefits

No rewards on all purchases

Foreign Transaction Fee


Cell Phone Protection

Get reimbursed for up to $600 per claim (with a $25 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Wells Fargo Consumers credit card. Max 2 claims per year.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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