Say hello to financial flexibility with the Wells Fargo Reflect Card, expertly designed for people who want to get ahead of their debt or finance purchases interest‑free. With one of the longest 0% introductory APR offers for both purchases and qualifying balance transfers, no annual fee, and key protections built in—the Reflect Card helps you reset your finances without surprises.
🎁 Rewards: Simple Savings via My Wells Fargo Deals
Though Reflect doesn’t offer an ongoing rewards program, you can still earn value through My Wells Fargo Deals:
- Browse and activate targeted merchant offers via your online account.
- Earn cash back as a statement credit after making qualifying purchases.
- No annual fee or enrollment hassle—just occasional extra savings when deals align with your spending.
💸 Economy: 0% APR for 21 Months on Purchases & Transfers
The heart of the Reflect® Card is its extended intro APR offer:
- 0% APR for 21 months on purchases and balance transfers when initiated within 120 days of account opening.
- After that period, the variable APR adjusts based on creditworthiness to 17.24% – 23.74% – 28.99%, tied to U.S. Prime Rate.
- Balance transfers incur a 5% fee (minimum $5) and must be requested within the first 120 days.
This structure makes Reflect one of the best cards available for spreading the cost of large expenses or consolidating debt interest‑free.
📊 Advantages & Financial Tools
While Reflect focuses on interest savings rather than rewards, it includes supportive tools for account control:
- Access to Credit Close‑Up®, which delivers monthly FICO® Score updates and insights through Wells Fargo Online—helping you understand and improve your credit.
- Cell phone protection up to $600 per claim (with $25 deductible, two claims/year) when your monthly wireless bill posts to the card.
- Virtually instant emergency cash disbursement and card replacement, plus auto rental collision coverage and roadside dispatch in case of travel-related issues.
📱 Technology & Convenience
Reflect includes essential digital features that make managing payments simple:
- Contactless chip card with compatibility for Apple Pay®, Google Pay™, and Samsung Pay™.
- Autopay and account alerts through the Wells Fargo mobile app to help you avoid late payments.
- Mobile wallet integration, transaction tracking, and clear billing history via Wells Fargo® online services.
🔐 Security & Protections
You’ll enjoy reliable protections as a Reflect cardmember:
- Zero Liability Protection ensures you’re never on the hook for unauthorized transactions, provided you report promptly.
- Standard EMV chip technology, continuous fraud monitoring, and real‑time alerts.
- Complimentary roadside dispatch service, emergency cash, and rental car coverage for added peace of mind.
📄 Terms & Conditions (Summary)
- Intro APR: 0% for 21 months on purchases and qualifying balance transfers.
- Regular APR: 17.24%, 23.74%, or 28.99% (variable).
- Balance Transfer Fee: 5% of the transfer amount (minimum $5).
- Annual Fee: $0.
- Foreign Transaction Fee: 3% per transaction.
- Cell‑phone protection: Up to $600 per claim, two claims/year, $25 deductible.
💡 Tip: Initiate balance transfers within the first 120 days and pay down balances consistently to take full advantage of the 21‑month interest‑free period.
🚀 Apply Today and Maximize Your Savings Window
If you need breathing room to consolidate debt or finance a large purchase without interest, the Wells Fargo Reflect® Card offers unmatched flexibility.
How to apply:
- Visit the official Wells Fargo Reflect Card application page.
- Fill out the secure online application and review your terms.
- Complete eligible balance transfers within 120 days of approval.
- Use the long 21‑month 0% APR window to pay down debt, then pay off residual balance before regular APR applies.
Apply now and get nearly two years of 0% APR on purchases and transfers—plus built-in protections and smart tools to keep you in control.
