Wells Fargo Reflect® Card

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5. $0 Annual Fee. Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). 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. Select "Apply Now" to learn more about the product features, terms and conditions.

Nav's Verdict

50% Complete
Effort to Apply
10% Complete
Card Perks
80% Complete
70% Complete


Bottom Line

A great card for those looking to pay down debt or planning to make a big purchase without having to pay interest right away.


Excellent intro APR period


Limited cash back opportunities

Rates and Fees
Intro APR
0% intro APR for 21 months from account opening
Purchase APR
18.24%, 24.74%, or 29.99% variable APR
Annual Fee
Welcome Offer
Rewards Rate
Foreign Transaction Fee


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