Apply for the Wells Fargo Reflect Card

Reflect Card: Longest intro APR for purchases & balance transfers.

Olivia Bennett 11/02/2025 25/06/2025

The Wells Fargo Reflect® Card is a versatile credit card that caters to individuals who are looking for a solid introductory APR offer and are focused on paying down balances over time.

This card stands out for its 0% introductory APR on purchases and qualifying balance transfers for the first 18 months from account opening, which can be an excellent feature for cardholders planning to make large purchases or transfer balances from high-interest cards.

After the introductory period ends, the variable APR will range from 17.24% to 29.99%, depending on your creditworthiness.

Reasons to Choose the Wells Fargo Reflect® Card

Generous Introductory APR

The 0% intro APR for 18 months on purchases and qualifying balance transfers is one of the biggest selling points of the Wells Fargo Reflect® Card.

This allows cardholders to make purchases or transfer balances without worrying about interest charges for an extended period, making it an excellent option for individuals with large upcoming expenses or those looking to pay off existing debt.

No Annual Fee

Unlike many other credit cards that come with an annual fee, the Wells Fargo Reflect Card charges no annual fee, helping cardholders save on costs that might otherwise add up over time.

Flexible Payment Options

The card provides flexibility when it comes to making payments.

In addition to the 18-month introductory APR on purchases and balance transfers, cardholders have the option to extend this introductory APR for an additional three months by making minimum payments on time during the intro period.

This added flexibility can be extremely helpful in managing finances more effectively.

Balance Transfer Opportunities

The Wells Fargo Reflect Card allows cardholders to transfer existing balances from other credit cards to take advantage of the 0% intro APR for 18 months.

This is ideal for anyone looking to consolidate credit card debt and save on interest during the transfer period.

Easy Access to Wells Fargo’s Tools

Wells Fargo offers excellent tools for cardholders to manage their accounts and track spending, including the Wells Fargo Mobile App and online account management.

These tools allow cardholders to keep track of their balances, make payments, and monitor their credit score and spending habits conveniently.

Negative Factors of the Wells Fargo Reflect® Card

High APR After Introductory Period

Once the 18-month introductory APR expires, the regular APR for purchases and balance transfers can be 17.24% to 29.99% variable.

This high APR can be a concern for those who carry balances after the intro period.

If you don’t pay off your balance within the promotional period, the interest charges can add up quickly, potentially negating the benefits of the introductory offer.

Balance Transfer Fees

Although the card offers a 0% intro APR on balance transfers, it charges a balance transfer fee of 3% of the amount of each transfer or $5, whichever is greater.

This fee can add up, especially if you’re transferring a large balance to the card.

Limited Rewards and Benefits

Unlike some other credit cards, the Wells Fargo Reflect® Card does not offer a rewards program or additional perks like cash back, points, or travel rewards.

It’s focused more on providing a solid introductory APR, which means it might not be the best option for those looking to earn rewards or enjoy more premium benefits.

Foreign Transaction Fees

The Wells Fargo Reflect® Card charges a 3% foreign transaction fee on purchases made outside the U.S.

This is a disadvantage for international travelers, as it adds to the cost of purchases abroad.

Eligibility for Extended Introductory APR

While the introductory APR can be extended for an additional three months, this extension is contingent on making minimum payments on time during the intro period.

If you miss any payments, you won’t qualify for this extension, potentially limiting the benefits.

How to Apply for the Card

Visit the Official Wells Fargo Website:

Begin by navigating to the official Wells Fargo website. Look for the section dedicated to the Wells Fargo Reflect Card, where you can find comprehensive details about its features, benefits, and eligibility criteria.

Complete the Online Application Form:

Fill out the online application with your accurate personal and financial details. Ensure that all information provided is current, as any inaccuracies might delay the review process.

Submit Required Documentation:

Depending on your financial profile, you may be asked to provide additional documentation such as proof of income, identification, or residency. Having these documents ready in advance can help expedite the analysis.

Review the Terms and Conditions:

Carefully read through the terms and conditions associated with the card. It is essential to understand details such as interest rates, annual fees, rewards structure, and other specific benefits of the Wells Fargo Reflect Card.

Submit Your Application:

After verifying that all required fields are complete and correct, submit your application. You will receive an email confirmation along with further details about the next steps and an estimated timeframe for the review of your application.

Fees and Costs

The Wells Fargo Reflect® Card is generally low-cost when it comes to annual fees, but there are still several fees and costs associated with using the card:

Annual Fee: $0

Balance Transfer Fee: 3% of the transfer amount, or $5, whichever is greater

Cash Advance Fee: The greater of $10 or 5% of the amount of each cash advance

Late Payment Fee: Up to $40

Returned Payment Fee: Up to $40

Foreign Transaction Fee: 3% of each transaction made in a foreign currency

APR:

Introductory APR: 0% for the first 18 months on purchases and qualifying balance transfers
After Introductory APR Period: 17.24% to 29.99% (Variable) for purchases and balance transfers
APR for Cash Advances: 25.99% (Variable)

Frequently Asked Questions

How can I earn rewards with the Wells Fargo Reflect® Card?

The Wells Fargo Reflect® Card does not offer a rewards program.

Its primary focus is the 18-month 0% intro APR offer for purchases and qualifying balance transfers.

Can I transfer balances from other credit cards?

Yes, you can transfer balances from other credit cards to the Wells Fargo Reflect® Card and take advantage of the 0% intro APR for 18 months.

A balance transfer fee of 3% applies.

What happens after the intro APR period ends?

After the 18-month intro APR period, your APR will increase to the variable APR of 17.24% to 29.99%, depending on your creditworthiness.

Be sure to pay off your balance before this period ends to avoid high-interest charges.

How can I extend my intro APR?

You can extend your intro APR for an additional three months by making minimum payments on time during the first 18 months of your account.

Is the Wells Fargo Reflect® Card good for international use?

While it’s a useful card for domestic purchases, be aware of the 3% foreign transaction fee for purchases made abroad.

This can add to the cost of using the card internationally.

The Wells Fargo Reflect® Card is a great option for those looking to take advantage of a long introductory APR period to pay down balances or make large purchases.

With its 18-month intro APR on purchases and balance transfers, no annual fee, and flexible payment options, it provides valuable financial relief.

However, its lack of rewards and the foreign transaction fees may be drawbacks for some users.

Overall, if your primary goal is to manage your debt or make significant purchases without the burden of interest charges for an extended period, the Wells Fargo Reflect® Card is worth considering.