Wells Fargo Reflect® Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Wells Fargo Reflect® Card4.8/5

Wells Fargo

Annual fee
$0
Rewards rate
The Wells Fargo Reflect® Card does not have a traditional rewards program (no points or cash back on purchases) because its main feature is a long 0% introductory APR on purchases and balance transfers (up to 21 months).
Welcome Bonus
The Wells Fargo Reflect® Card typically does not offer a traditional welcome bonus (like cash back or points) because its main draw is a long 0% introductory APR period, often up to 21 months, for purchases and qualifying balance transfers.
Apply Now →on Wells Fargo's website
Regular APR:17.49%-28.24% Variable APR

  • No rewards breakdown available

Welcome Bonus:

The Wells Fargo Reflect® Card typically does not offer a traditional welcome bonus (like cash back or points) because its main draw is a long 0% introductory APR period, often up to 21 months, for purchases and qualifying balance transfers.

Reward Rate:

The Wells Fargo Reflect® Card does not have a traditional rewards program (no points or cash back on purchases) because its main feature is a long 0% introductory APR on purchases and balance transfers (up to 21 months).

APR:

17.49%-28.24% Variable APR

The Wells Fargo Reflect® Card stands out as the top choice because it offers an extended 0% introductory APR for up to 21 months, making it ideal for those looking to pay down debt without accruing interest. Its lack of an annual fee adds to its appeal for budget-conscious consumers.

Pros:

  • Extended 0% introductory APR period
  • No annual fee

Cons:

  • No traditional rewards program
  • Limited welcome bonus
Apply now →

The Wells Fargo Reflect® Card is well-suited for individuals seeking a long-term solution to manage existing debt, thanks to its generous 0% introductory APR for up to 21 months. With no annual fee, it may also appeal to budget-conscious consumers who prioritize cost-effective options in their financial planning.

Frequently Asked Questions