Wells Fargo Reflect Card Review

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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-reflect-credit-card-review"},"editor":{"@type":"Person","name":""},"author":[{"@type":"Person","name":"Joseph Hostetler","sameAs":"https://www.businessinsider.com/author/joseph-hostetler"},{"@type":"Person","name":"Angela Fung","sameAs":"https://www.businessinsider.com/author/angela-fung"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Wells Fargo Reflect Card Review","alternativeHeadline":"Wells Fargo Reflect Card Review","image":{"@type":"ImageObject","url":"https://i.insider.com/625460339c862b00181a601c?width=1200&format=jpeg","width":1200,"height":900},"name":"Wells Fargo Reflect Card Review","datePublished":"2024-07-23T20:30:55Z","dateModified":"2025-02-10T22:14:58Z","description":"The Wells Fargo Reflect Card is the best option for a balance transfer and a good credit card for an 0% intro APR on purchases. Read our review.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Citi® Double Cash Card, Chase Freedom Flex®, Chase Freedom®, Citi® Diamond Preferred® Card, Citi Simplicity® Card. The details for these products have not been reviewed or provided by the issuer.If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice (rates and fees). And it offers an extra-long interest-free period on new purchases, too.The Wells Fargo Reflect® Card is one of the absolute best balance transfer credit cards if you're looking for a long intro APR on balance transfers and new purchases. It doesn't earn rewards, however, so you'll receive little value from the card after the interest-free period expires (which is followed by a 17.24%, 23.74%, or 28.99% Variable APR) unless you utilize its generous cell phone protection.0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% variable APR$00% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days17.24%, 23.74%, or 28.99% VariableN/AGood to ExcellentIf you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.Let's get the worst bit out of the way first: The Wells Fargo Reflect® Card earns no rewards for spending.Competing 0% intro APR cards include the Citi® Double Cash Card \n (0% intro APR on balance transfers for 18 months, then a 18.24% - 28.24% Variable APR), Wells Fargo Active Cash® Card (0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, then a 19.24%, 24.24%, or 29.24% variable APR), and Discover it® Cash Back (0% intro APR for 15 months on purchases and balance transfers, then a 18.24% - 27.24% Variable APR).These cards all offer a healthy return each time they're swiped, but the Wells Fargo Reflect® Card atones for its rewards deficiency by offering one of the best introductory APR offers we've seen: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 17.24%, 23.74%, or 28.99% Variable APR. I'll explain why that's so rare.The Wells Fargo Reflect® Card doesn't offer a slew of ongoing benefits (the only perk worth mentioning is its cell phone insurance worth up to $600 per claim). But because the card charges a $0 annual fee, you can freely keep it forever.Here's why this card sits high on the 0% intro APR credit card food chain.This card doesn't earn any rewards for your spending. It also currently does not offer a welcome bonus. If you're interested in earning cash back, airline miles, or hotel points, you are not the Wells Fargo Reflect® Card's target audience.The Reflect card is specifically for those who either want to pay down debt or have an imminent and sizable purchase they know they won't be able to pay off in a single billing cycle.Plenty of cards exist that offer both an interest-free period and rewards for your purchases. However, the intro APR terms aren't quite as generous as the Wells Fargo Reflect® Card. For example, the Chase Freedom Flex® \n offers 0% intro APR on purchases and balance transfers for the first 15 months (then a 19.49% - 28.24% Variable APR). That's a much shorter 0% interest rate time frame than what's offered by the Wells Fargo Reflect — but the Chase Freedom® \n also earns up to 5% cash back on purchases.Regardless of the 0% intro APR card you choose, remember that you'll still need to make the card's minimum payment each billing cycle. You won't accrue interest, but you must still make payments to keep the account in good standing.Beware of credit cards that charge \"deferred interest.\" Deferred interest will penalize you if the balance hanging on your card during the 0% APR window isn't paid in full by the time the interest-free period ends. You'll be retroactively charged interest for all the months you've carried a balance. It will completely negate the 0% intro APR offer.The Wells Fargo Reflect® Card does not charge deferred interest.The Wells Fargo Reflect® Card offers up to $600 of automatic cell phone protection when you pay your monthly phone bill with the card. You'll need to only pay a $25 deductible per claim. That's an abnormally low deductible among cards that offer cell phone insurance. Cards like the Ink Business Preferred® Credit Card demand a $100 deductible when you file a claim.You can submit two claims per 12-month period. Just note that you aren't covered for phones that are lost.Reflect cardholders have access to a roadside dispatch hotline, which can arrange services like standard towing, tire changing, lockout service, and fuel delivery for a flat fee (currently $69.95). This could be handy if you don't otherwise have roadside assistance through AAA or your personal insurance policy.Emergency cash disbursement and card replacementIf your Reflect card is lost, damaged, or stolen, you can get an emergency cash advance and have your card replaced within one to three days after contacting Visa Global Customer Care Services at 800-847-2911. All costs and expenses are the responsibility of the cardholder, including cash advance and interest fees.You'll need at least a good credit score to be eligible for the Wells Fargo Reflect® Card. A good credit score is defined by FICO as any score of 670 and above.This doesn't mean you'll automatically be denied if your score is lower than this — nor does it mean you'll be automatically approved if your score is within range. Banks do not reveal all the factors they consider when examining your application. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% variable APR$00% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days17.24%, 23.74%, or 28.99% VariableN/AGood to ExcellentIf you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.Though the Wells Fargo Reflect® Card doesn't come with an annual fee, there are other fees and charges to watch for. If you carry a balance on the card after the no-interest period, you'll be charged a 17.24%, 23.74%, or 28.99% Variable APR.Other fees apply in certain circumstances, including:The Wells Fargo Reflect® Card incurs a $0 annual fee. That means the card can help to cultivate a good credit score by bolstering the length of your credit history.It's a good practice to spend on your cards every six months or so to ensure they aren't closed due to inactivity.The Reflect card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 17.24%, 23.74%, or 28.99% Variable APR. You must complete a balance transfer within 120 days of account opening to qualify for the intro 0% APR rate and will be charged a fee of 5%, min: $5. That's one of the best intro APR offers on the market.A long intro balance transfer card offer isn't unheard of — you can find similar offers on cards like the Citi® Diamond Preferred® Card \n (regular APR of 17.24% - 27.99% Variable) and the Citi Simplicity® Card \n (regular APR of 18.24% - 28.99% Variable). But to offer the same terms for new purchases is incredible. You'll be hard-pressed to find any card that offers zero interest lasting more than 15 months for purchases. That's what makes this card stand above the others.We compared the Wells Fargo Reflect® Card to two other credit cards with intro APR offers on balance transfers. See how they stack up:With a $0 annual fee, you have nothing to lose by opening the Wells Fargo Reflect® Card. It's a good card if you're interested in a lengthy 0% APR offer for both purchases and balance transfers — or even just super cheap cell phone insurance. The Wells Fargo Reflect® Card does not earn rewards. It's marketed for those who want an interest-free period on qualifying balance transfers and new purchases.You can do a Wells Fargo balance transfer through your Wells Fargo online account, or by calling the number on the back of your card. You'll be asked for the creditor's name, account number, and balance transfer amount before you can complete the transfer. Be sure to make any balance transfer requests within 120 days of account opening to qualify for the card's introductory no-interest period.The lowest credit limit you'll receive on the Wells Fargo Reflect card is $1,000. But, depending on your credit score, history, income, and relationship with Wells Fargo, your initial credit line could be much higher. If you've already had the card for at least six months and you're in good standing, you can call Wells Fargo at 800-642-4720 to request a credit limit increase. If your Wells Fargo Reflect® Card is lost or stolen, you should immediately report it and request a replacement Wells Fargo card by calling 800-869-3557 (if you're outside the country, call collect at 925-825-7600). You can also request a replacement through your Wells Fargo online account, or by visiting www.wellsfargo.com/replacemycard. It typically takes 5 to 7 business days to receive a replacement in the mail.Insider assessed the Wells Fargo Reflect® Card in comparison to other cards that offer 0% interest on balance transfers and new purchases. We gave it high scores for the length of its interest-free period and lack of annual fee; however, because it doesn't earn rewards or offer a welcome bonus or strong benefits, we ranked it lower than intro APR cards like the Wells Fargo Active Cash® Card and Chase Freedom Unlimited®.You can read more about Personal Finance Insider's methodology in our guide to how we rate credit cards.0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% variable APR$00% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days17.24%, 23.74%, or 28.99% VariableN/AGood to ExcellentIf you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.","articleSection":"Personal Finance, Credit, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is the Wells Fargo Reflect credit card a good card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">With a $0 annual fee, you have nothing to lose by opening the Wells Fargo Reflect® Card. It's a good card if you're interested in a lengthy 0% APR offer for both purchases and balance transfers — or even just super cheap cell phone insurance. </p>"}},{"@type":"Question","name":"Does the Wells Fargo Reflect earn rewards?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The Wells Fargo Reflect® Card does not earn rewards. It's marketed for those who want an interest-free period on qualifying balance transfers and new purchases.</p>"}},{"@type":"Question","name":"How do I do a balance transfer with Wells Fargo?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can do a Wells Fargo balance transfer through your Wells Fargo online account, or by calling the number on the back of your card. You'll be asked for the creditor's name, account number, and balance transfer amount before you can complete the transfer. Be sure to make any balance transfer requests within 120 days of account opening to qualify for the card's introductory no-interest period.</p>"}},{"@type":"Question","name":"What is the Wells Fargo Reflect credit limit?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The lowest credit limit you'll receive on the Wells Fargo Reflect card is $1,000. 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It indicates 'click here to go back to the top of the page.' </desc> <g> <path d="M21.8032 11.1044C21.8228 11.124 21.8291 11.1383 21.8291 11.1383C21.8291 11.1383 21.8333 11.1486 21.8333 11.1686C21.8333 11.1794 21.8319 11.188 21.8319 11.188L21.8306 11.1923C21.8306 11.1923 21.826 11.2041 21.8032 11.227L19.3999 13.6307C19.3802 13.6504 19.366 13.6566 19.366 13.6566C19.366 13.6566 19.3558 13.6608 19.3358 13.6608C19.3251 13.6608 19.3165 13.6594 19.3165 13.6594L19.3123 13.6581C19.3123 13.6581 19.3086 13.6565 19.3035 13.653C19.2983 13.6494 19.2893 13.6424 19.2774 13.6305L10.9998 5.35778L2.72235 13.6366C2.70253 13.6564 2.6874 13.6632 2.6874 13.6632C2.6874 13.6632 2.67883 13.6667 2.66416 13.6667C2.65345 13.6667 2.64449 13.6651 2.64449 13.6651L2.63801 13.6632C2.63801 13.6632 2.62068 13.6557 2.59413 13.6306L0.1968 11.2328C0.173942 11.21 0.169374 11.1982 0.169374 11.1982L0.168134 11.1939C0.168134 11.1939 0.16666 11.1852 0.16666 11.1744C0.16666 11.1637 0.168184 11.1547 0.168184 11.1547L0.17016 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class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Joseph Hostetler" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/joseph-hostetler" >Joseph Hostetler</a><span class="headline-regular">;</span></span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-07-23T20:30:55Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-07-23T20:30:55Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="legacy-share" data-load-strategy="interaction" data-location="" > <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</aside> <div class="col-12"> </div> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Rewards </a> </li> <li> <a href="#benefits-and-features" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits and Features </a> </li> <li> <a href="#fees" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Fees </a> </li> <li> <a href="#card-comparison" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Card Comparison </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p id="first-content-image"></p><p>If you're looking for the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-wells-fargo-credit-cards" data-analytics-product-module="body_link" rel="">best Wells Fargo credit card</a> for balance transfers, the Wells Fargo Reflect® Card is a great choice (<a href="https://affiliate.insider.com/?h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646">rates and fees</a>). And it offers an extra-long interest-free period on new purchases, too.</p><p>The Wells Fargo Reflect® Card is one of the absolute <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-analytics-product-module="body_link" rel="">best balance transfer credit cards</a> if you're looking for a long intro APR on balance transfers <em>and</em> new purchases. It doesn't earn rewards, however, so you'll receive little value from the card after the interest-free period expires (which is followed by a 17.24%, 23.74%, or 28.99% Variable APR) unless you utilize its generous cell phone protection.</p> <div id="wells-fargo-reflect®-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Wells Fargo Reflect® Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71724-20&h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&platform=browser&postID=66a012d9c79d31931d82d914&postSlug=personal-finance%2Fcredit-cards%2Fwells-fargo-reflect-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644" rel="nofollow noindex" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Wells Fargo's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71724-20&h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&platform=browser&postID=66a012d9c79d31931d82d914&postSlug=personal-finance%2Fcredit-cards%2Fwells-fargo-reflect-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644" rel="nofollow noindex" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/624b5f8582200b0019440230?width=400" alt="Wells Fargo Wells Fargo Reflect® Card"> <noscript> <img class="no-script" src="https://i.insider.com/624b5f8582200b0019440230?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="624c5c165104a00019703819-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6841326109338737"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6841326109338737)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5691067608491529"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5691067608491529)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1838089309707045"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1838089309707045)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.040977919829352505"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.040977919829352505)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4568303010916801"> <stop stop-color="#faa809" offset="-50%"></stop> <stop stop-color="white" offset="-50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4568303010916801)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% variable APR</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.24%, 23.74%, or 28.99% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Extra-long intro APR on purchases and qualifying balance transfers</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Cell phone protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No rewards</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Foreign transaction fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/wells-fargo-reflect-credit-card-review" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Wells Fargo Reflect Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Apply Now to take advantage of this offer and learn more about product features, terms and conditions.</li> <li class="financial-product-card__product-details__list-item">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.</li> <li class="financial-product-card__product-details__list-item">$0 annual fee.</li> <li class="financial-product-card__product-details__list-item">Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.</li> <li class="financial-product-card__product-details__list-item">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.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="b3f92f1a-3109-48db-a32d-b3a2f0d8cd06" data-toc-id="b3f92f1a-3109-48db-a32d-b3a2f0d8cd06">Wells Fargo Reflect Card Review</h2><p>Let's get the worst bit out of the way first: The Wells Fargo Reflect® Card earns no rewards for spending.</p><p>Competing 0% intro APR cards include the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-double-cash-card-review" data-analytics-product-module="body_link" rel="">Citi® Double Cash Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi® Double Cash Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> (0% intro APR on balance transfers for 18 months, then a 18.24% - 28.24% Variable APR), <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-active-cash-card-review" data-analytics-product-module="body_link" rel="">Wells Fargo Active Cash® Card</a> (0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, then a 19.24%, 24.24%, or 29.24% variable APR), and <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-cash-back-card-review" data-analytics-product-module="body_link" rel="">Discover it® Cash Back</a> (0% intro APR for 15 months on purchases and balance transfers, then a 18.24% - 27.24% Variable APR).</p><p>These cards all offer a healthy return each time they're swiped, but the Wells Fargo Reflect® Card atones for its rewards deficiency by offering one of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-analytics-product-module="body_link" rel="">best introductory APR offers</a> we've seen: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 17.24%, 23.74%, or 28.99% Variable APR. I'll explain why that's so rare.</p><p>The Wells Fargo Reflect® Card doesn't offer a slew of ongoing benefits (the only perk worth mentioning is its cell phone insurance worth up to $600 per claim). But because the card charges a $0 annual fee, you can freely keep it forever.</p><p>Here's why this card sits high on the 0% intro APR credit card food chain.</p><h2 id="rewards" data-toc-id="a12e8974-1523-4741-aa3c-340f6fc3a9f3" data-toc-label="Rewards" class="toc-anchor">Wells Fargo Reflect Rewards</h2><p>This card doesn't earn any rewards for your spending. It also currently does not offer a welcome bonus. If you're interested in earning cash back, airline miles, or hotel points, you are not the Wells Fargo Reflect® Card's target audience.</p><p>The Reflect card is specifically for those who either want to pay down debt or have an imminent and sizable purchase they know they won't be able to pay off in a single billing cycle.</p><p>Plenty of cards exist that offer both an interest-free period <em>and</em> rewards for your purchases. However, the intro APR terms aren't quite as generous as the Wells Fargo Reflect® Card. For example, the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> offers 0% intro APR on purchases and balance transfers for the first 15 months (then a 19.49% - 28.24% Variable APR). That's a much shorter 0% interest rate time frame than what's offered by the Wells Fargo Reflect — but the Chase Freedom®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The Chase Freedom® card is no longer available to new applicants. The information related to the Chase Freedom® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> also earns up to 5% cash back on purchases.</p><p>Regardless of the 0% intro APR card you choose, remember that you'll still need to make the card's minimum payment each billing cycle. You won't accrue interest, but you must still make payments to keep the account in good standing.</p> <aside class="quick-tip headline-regular ignore-typography"> <p>Beware of credit cards that charge "deferred interest." Deferred interest will penalize you if the balance hanging on your card during the 0% APR window isn't paid in full by the time the interest-free period ends. You'll be retroactively charged interest for all the months you've carried a balance. It will completely negate the 0% intro APR offer.</p><p>The Wells Fargo Reflect® Card does not charge deferred interest.</p> </aside> <h2 id="benefits-and-features" data-toc-id="5255b4b9-1cfc-4c0a-b676-789dda4ee677" data-toc-label="Benefits and Features" class="toc-anchor">Wells Fargo Reflect Card Benefits and Features</h2><h3 id="f91363e0-4e40-451a-9c88-aa1bb5bbf7cb" data-toc-id="f91363e0-4e40-451a-9c88-aa1bb5bbf7cb"><strong>Cell phone protection</strong></h3><p>The Wells Fargo Reflect® Card offers up to $600 of automatic cell phone protection when you pay your monthly phone bill with the card. You'll need to only pay a $25 deductible per claim. That's an abnormally low deductible among cards that offer cell phone insurance. Cards like the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" data-analytics-product-module="body_link" rel="">Ink Business Preferred® Credit Card</a> demand a $100 deductible when you file a claim.</p><p>You can submit two claims per 12-month period. Just note that you aren't covered for phones that are lost.</p><h3 id="c19ccb8e-c1fb-46a7-ac64-d7d786b229f9" data-toc-id="c19ccb8e-c1fb-46a7-ac64-d7d786b229f9"><strong>Roadside dispatch</strong></h3><p>Reflect cardholders have access to a roadside dispatch hotline, which can arrange services like standard towing, tire changing, lockout service, and fuel delivery for a flat fee (currently $69.95). This could be handy if you don't otherwise have roadside assistance through AAA or your personal insurance policy.</p><p>Emergency cash disbursement and card replacement</p><p>If your Reflect card is lost, damaged, or stolen, you can get an emergency cash advance and have your card replaced within one to three days after contacting Visa Global Customer Care Services at 800-847-2911. All costs and expenses are the responsibility of the cardholder, including cash advance and interest fees.</p><h3 id="b363d317-fa12-4d75-a08b-26bb2c8872f7" data-toc-id="b363d317-fa12-4d75-a08b-26bb2c8872f7">Wells Fargo Reflect Credit Score</h3><p>You'll need at least a good credit score to be eligible for the Wells Fargo Reflect® Card. A good credit score is defined by FICO as any score of 670 and above.</p><p>This doesn't mean you'll automatically be denied if your score is lower than this — nor does it mean you'll be automatically approved if your score is within range. Banks do not reveal all the factors they consider when examining your application. </p> <div id="wells-fargo-reflect®-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Wells Fargo Reflect® Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71724-20&h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&platform=browser&postID=66a012d9c79d31931d82d914&postSlug=personal-finance%2Fcredit-cards%2Fwells-fargo-reflect-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644" rel="nofollow noindex" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Wells Fargo's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71724-20&h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&platform=browser&postID=66a012d9c79d31931d82d914&postSlug=personal-finance%2Fcredit-cards%2Fwells-fargo-reflect-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644" rel="nofollow noindex" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/624b5f8582200b0019440230?width=400" alt="Wells Fargo Wells Fargo Reflect® Card"> <noscript> <img class="no-script" src="https://i.insider.com/624b5f8582200b0019440230?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="624c5c165104a00019703819-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3671865628286697"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3671865628286697)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3356335744631773"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3356335744631773)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.307799491493044"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.307799491493044)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.11969173211393502"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.11969173211393502)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8619201838901749"> <stop stop-color="#faa809" offset="-50%"></stop> <stop stop-color="white" offset="-50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8619201838901749)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% variable APR</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.24%, 23.74%, or 28.99% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Extra-long intro APR on purchases and qualifying balance transfers</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Cell phone protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No rewards</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Foreign transaction fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/wells-fargo-reflect-credit-card-review" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Wells Fargo Reflect Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Apply Now to take advantage of this offer and learn more about product features, terms and conditions.</li> <li class="financial-product-card__product-details__list-item">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.</li> <li class="financial-product-card__product-details__list-item">$0 annual fee.</li> <li class="financial-product-card__product-details__list-item">Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.</li> <li class="financial-product-card__product-details__list-item">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.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 id="fees" data-toc-id="acda9a2e-9711-456d-b5e9-08b059ee6eff" data-toc-label="Fees" class="toc-anchor">Wells Fargo Reflect Annual Fee and Other Costs</h2><p>Though the Wells Fargo Reflect® Card doesn't come with an annual fee, there are other fees and charges to watch for. If you carry a balance on the card after the no-interest period, you'll be charged a 17.24%, 23.74%, or 28.99% Variable APR.</p><p>Other fees apply in certain circumstances, including:</p><ul><li>Foreign transaction fee (for international purchases, use one of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-no-foreign-transaction-fees" rel="">best credit cards with no foreign transaction fees</a> instead)</li><li>Balance transfer fee</li></ul><h3 id="ace7ffd5-9ef7-4146-b7bc-10005d361ff3" data-toc-id="ace7ffd5-9ef7-4146-b7bc-10005d361ff3">No Annual Fee</h3><p>The Wells Fargo Reflect® Card incurs a $0 annual fee. That means the card can help to cultivate a good credit score by bolstering the length of your credit history.</p><p>It's a good practice to spend on your cards every six months or so to ensure they aren't closed due to inactivity.</p><h3 id="8137222a-09ae-4d30-b959-09d4ab5b5ba0" data-toc-id="8137222a-09ae-4d30-b959-09d4ab5b5ba0">Wells Fargo Reflect Card Interest Rate</h3><p>The Reflect card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, followed by a 17.24%, 23.74%, or 28.99% Variable APR. You must complete a balance transfer within 120 days of account opening to qualify for the intro 0% APR rate and will be charged a fee of 5%, min: $5. That's one of the best intro APR offers on the market.</p><p>A long intro balance transfer card offer isn't unheard of — you can find similar offers on cards like the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-diamond-preferred-credit-card-review" data-analytics-product-module="body_link" rel="">Citi® Diamond Preferred® Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi® Diamond Preferred® Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> (regular APR of 17.24% - 27.99% Variable) and the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-simplicity-card-review" data-analytics-product-module="body_link" rel="">Citi Simplicity® Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi Simplicity® Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> (regular APR of 18.24% - 28.99% Variable). But to offer the same terms for new purchases is incredible. You'll be hard-pressed to find any card that offers zero interest lasting more than 15 months for purchases. That's what makes this card stand above the others.</p><h2 id="card-comparison" data-toc-id="3cec3333-6a68-4854-9907-86b18d7ad414" data-toc-label="Card Comparison" class="toc-anchor">Compare the Wells Fargo Reflect Card</h2><p>We compared the Wells Fargo Reflect® Card to two other credit cards with intro APR offers on balance transfers. See how they stack up:</p><div class="horizontal-scroll"><table style="min-width: 100px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold"> </td><td class="headline-regular headline-semibold">Wells Fargo Reflect® Card</td><td class="headline-regular headline-semibold">Citi® Diamond Preferred® Card</td><td class="headline-regular headline-semibold">Citi Simplicity® Card</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">Annual fee</strong></td><td colspan="1" rowspan="1" class="headline-regular">$0</td><td colspan="1" rowspan="1" class="headline-regular">$0</td><td colspan="1" rowspan="1" class="headline-regular">$0</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">Rewards rate</strong></td><td colspan="1" rowspan="1" class="headline-regular">N/A</td><td colspan="1" rowspan="1" class="headline-regular">N/A</td><td colspan="1" rowspan="1" class="headline-regular">N/A</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">Welcome bonus</strong></td><td colspan="1" rowspan="1" class="headline-regular">N/A</td><td colspan="1" rowspan="1" class="headline-regular">N/A</td><td colspan="1" rowspan="1" class="headline-regular">N/A</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">Card benefits</strong></td><td colspan="1" rowspan="1" class="headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 17.24%, 23.74%, or 28.99% Variable APR)Cell phone protectionEmergency cash disbursement and card replacementRoadside dispatch</td><td colspan="1" rowspan="1" class="headline-regular">0% intro APR on balance transfers completed within four months of account opening for 21 months from date of first transfer and on purchases for 12 months (then a 17.24% - 27.99% Variable APR)Citi Entertainment benefits (special or early access to live events)</td><td colspan="1" rowspan="1" class="headline-regular">0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months (then a 18.24% - 28.99% Variable APR)Free FICO score</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">Review</strong></td><td colspan="1" rowspan="1" class="headline-regular"> </td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-diamond-preferred-credit-card-review" data-analytics-product-module="tables" rel="">Citi Diamond Preferred credit card review</a></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-simplicity-card-review" data-analytics-product-module="tables" rel="">Citi Simplicity card review</a></td></tr></tbody></table></div><h2 id="faqs" data-toc-id="95ce5434-7b14-4743-93d8-b6104d4785ea" data-toc-label="FAQs" class="toc-anchor">Wells Fargo Reflect Card Frequently Asked Questions </h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is the Wells Fargo Reflect credit card a good card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">With a $0 annual fee, you have nothing to lose by opening the Wells Fargo Reflect® Card. It's a good card if you're interested in a lengthy 0% APR offer for both purchases and balance transfers — or even just super cheap cell phone insurance. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does the Wells Fargo Reflect earn rewards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The Wells Fargo Reflect® Card does not earn rewards. It's marketed for those who want an interest-free period on qualifying balance transfers and new purchases.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I do a balance transfer with Wells Fargo? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can do a Wells Fargo balance transfer through your Wells Fargo online account, or by calling the number on the back of your card. You'll be asked for the creditor's name, account number, and balance transfer amount before you can complete the transfer. Be sure to make any balance transfer requests within 120 days of account opening to qualify for the card's introductory no-interest period.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the Wells Fargo Reflect credit limit? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">The lowest credit limit you'll receive on the Wells Fargo Reflect card is $1,000. But, depending on your credit score, history, income, and relationship with Wells Fargo, your initial credit line could be much higher. If you've already had the card for at least six months and you're in good standing, you can call Wells Fargo at 800-642-4720 to request a credit limit increase. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I get a Wells Fargo card replacement? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If your Wells Fargo Reflect® Card is lost or stolen, you should immediately report it and request a replacement Wells Fargo card by calling 800-869-3557 (if you're outside the country, call collect at 925-825-7600). You can also request a replacement through your Wells Fargo online account, or by visiting www.wellsfargo.com/replacemycard. It typically takes 5 to 7 business days to receive a replacement in the mail.</p> </div> </div> </div><h2 id="why-you-should-trust-us" data-toc-id="0d29067e-676d-4fbd-93ef-e44b9343d6ff" data-toc-label="Why You Should Trust Us" class="toc-anchor">Why You Should Trust Us: How We Reviewed the Wells Fargo Reflect Card</h2><p>Insider assessed the Wells Fargo Reflect® Card in comparison to other cards that offer 0% interest on balance transfers and new purchases. We gave it high scores for the length of its interest-free period and lack of annual fee; however, because it doesn't earn rewards or offer a welcome bonus or strong benefits, we ranked it lower than intro APR cards like the Wells Fargo Active Cash® Card and <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel="">Chase Freedom Unlimited®</a>.</p><p>You can read more about Personal Finance Insider's methodology in our guide to <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a>.</p> <div id="wells-fargo-reflect®-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Wells Fargo Reflect® Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71724-20&h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&platform=browser&postID=66a012d9c79d31931d82d914&postSlug=personal-finance%2Fcredit-cards%2Fwells-fargo-reflect-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644" rel="nofollow noindex" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Wells Fargo's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=8c929acf70e67f37498051d366b266ab24ce3e15d9316aec6a57995be024dc41&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683646">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71724-20&h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&platform=browser&postID=66a012d9c79d31931d82d914&postSlug=personal-finance%2Fcredit-cards%2Fwells-fargo-reflect-credit-card-review&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644" rel="nofollow noindex" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=8e1e9332aed0d64d4c86d4fd5d0b5a69ff8d804416ba3a01a9fccdcc441ad599&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26683644"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/624b5f8582200b0019440230?width=400" alt="Wells Fargo Wells Fargo Reflect® Card"> <noscript> <img class="no-script" src="https://i.insider.com/624b5f8582200b0019440230?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="624c5c165104a00019703819-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.708681042973103"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.708681042973103)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.27645578191579556"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.27645578191579556)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8042531303547167"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8042531303547167)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6555954427223714"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6555954427223714)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8428798606334909"> <stop stop-color="#faa809" offset="-50%"></stop> <stop stop-color="white" offset="-50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8428798606334909)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% variable APR</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.24%, 23.74%, or 28.99% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Extra-long intro APR on purchases and qualifying balance transfers</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Cell phone protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No rewards</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Foreign transaction fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/wells-fargo-reflect-credit-card-review" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Wells Fargo Reflect Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Apply Now to take advantage of this offer and learn more about product features, terms and conditions.</li> <li class="financial-product-card__product-details__list-item">0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.</li> <li class="financial-product-card__product-details__list-item">$0 annual fee.</li> <li class="financial-product-card__product-details__list-item">Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.</li> <li class="financial-product-card__product-details__list-item">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.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="624c5c165104a00019703819" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Reflect® Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p> </p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/wells-fargo-reflect-credit-card-review-pfi-credit" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/joseph-hostetler" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="joseph-hostetler"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6189859123745d0018258b46?crop=1:1&width=256&format=jpeg&auto=webp" alt="Joseph Hostetler"> <noscript> <img class="no-script" src="https://i.insider.com/6189859123745d0018258b46?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/joseph-hostetler" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Joseph Hostetler</div> </a> <div class="post-author_title headline-regular">Credit cards reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Joseph Hostetler is a credit card expert who specializes in helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF).</span><span>Joseph has more than six years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img class="no-script" src="https://i.insider.com/67885fee8951662c9f2076d5?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance and Operations Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the marketing compliance and operations manager for Business Insider’s personal finance team. She is a personal finance expert and has been a part of Business Insider for nearly four years. </span><span><span class="headline-semibold">Experience</span></span><span>Angela leads the compliance team in identifying and reducing risk for readers, the editorial team, and external partners. Her team aims to provide readers with accurate, up-to-date information about financial products and maintain reader trust. She ensures regulatory and partner marketing guidelines are upheld for partners and adheres to the personal finance team’s <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards" rel="">editorial standards</a> so they can maintain editorial independence. </span><span>Angela likes helping readers better understand personal finance so that they can build a strong foundation for their financial plan and, hopefully, give themselves the freedom to do more in other facets of their lives.</span><span><span class="headline-semibold">Expertise</span></span><span>Angela has expertise in and oversees compliance in the following areas of personal finance:</span><ul><li><span>Personal credit cards</span></li><li><span>Business credit cards</span></li><li><span>High-yield savings accounts</span></li><li><span>CDs</span></li></ul><span>She also has a thorough knowledge of federal regulation for consumer financial protection. A few examples include:</span><ul><li><span>Regulation Z, Truth in Lending</span></li><li><span>Unfair, Deceptive, Or Abusive Acts Or Practices (UDAAP)</span></li><li><span>Regulation N, Mortgage Acts and Practices Advertising Rule</span></li><li><span>Endorsement Guidelines</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Angela graduated from the University of Chicago with a bachelor’s degree in neuroscience. </span><span>In her free time, she shoots lifestyle photography, volunteers at Meals for Unity, and plays tennis.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <aside class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Citi® Double Cash Card, Chase Freedom Flex®, Chase Freedom®, Citi® Diamond Preferred® Card, Citi Simplicity® Card. The details for these products have not been reviewed or provided by the issuer.</aside> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. 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