Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card offers a 21-month 0% intro APR on both purchases and balance transfers, one of the longest dual offers around, with no annual fee. It offers 0% intro APR on purchases and qualifying balance transfers for 21 months. Its regular APR is 17.49%–28.24% variable. Rates and terms come from NerdWallet, our verified data partner with direct issuer relationships.
Is the Wells Fargo Reflect® Card worth it?
The Wells Fargo Reflect® Card offers a 21-month 0% intro APR on both purchases and balance transfers, one of the longest dual offers around. We source these rewards and terms from NerdWallet, our verified data partner with direct issuer relationships. These figures carry our ◆ Partner data label — we did not pull them from the issuer ourselves.
The card has no annual fee. It offers 0% intro APR on purchases and qualifying balance transfers for 21 months. Its regular APR is 17.49%–28.24% variable.
The honest caveats: rewards, fees, and APR are partner-supplied and can change, and any regular APR is variable. A card like this only pays off if you pay the balance in full and the rewards or terms fit your situation. Confirm current details on the issuer’s own site. This is not financial advice.
How does a rewards credit card work?
A rewards credit card earns a percentage back on what you spend, which the issuer credits as cash back, points, or miles. You pay no interest if you clear the statement balance each month; carry a balance and the variable APR applies. The card reports your payment history to the credit bureaus.
What does the Wells Fargo Reflect® Card cost if you carry a balance?
Carrying a $1,000 balance at the 17.49% minimum APR costs roughly $175 a year in interest. That is why a rewards card only pays off if you clear the statement balance every month — interest at this rate quickly outruns any rewards.
Illustrative estimate based on the figures on this page, not an offer. Your results will differ.
What are the pros and cons of the Wells Fargo Reflect® Card?
The Wells Fargo Reflect® Card stands out for offers a 21-month 0% intro APR on both purchases and balance transfers, one of the longest dual offers around, though rates and terms are partner-supplied — not fetched from the issuer ourselves.
- Offers a 21-month 0% intro APR on both purchases and balance transfers, one of the longest dual offers around
- No annual fee
- Terms supplied by our verified data partner
- Rates and terms are partner-supplied — not fetched from the issuer ourselves
- Regular APR is 17.49%–28.24% variable
- Rewards or perks pay off only if they fit how you actually spend
Who should get the Wells Fargo Reflect® Card?
The Wells Fargo Reflect® Card is best for people shopping for a balance transfer card.
- People shopping for a balance transfer card
- Anyone comparing options from major issuers
- Cardholders who want clear, simple terms
How does the Wells Fargo Reflect® Card compare?
Among the 7 balance transfer credit cards we track, the Wells Fargo Reflect® Card ranks #4 with a money8020 score of 93/100.
| Product | Score | Tier | Provider |
|---|---|---|---|
| U.S. Bank Shield™ Visa® Card | 94 | Essential | U.S. Bank |
| BankAmericard | 93 | Essential | Bank of America |
| Citi® Diamond Preferred® Card | 93 | Essential | Citibank |
| Wells Fargo Reflect® Card | 93 | Essential | Wells Fargo |
| Citi Simplicity® Card | 81 | Strong | Citibank |
See all balance transfer credit cards, ranked →
Common mistakes to avoid with a rewards credit card
- Carrying a balance — interest at the regular APR quickly erases any rewards.
- Chasing a sign-up bonus with spending you cannot pay off in full.
- Missing the intro-APR deadline and getting hit with the full variable rate.
- Overlooking an annual fee that outweighs the rewards for your spending.
Key takeaways
- Wells Fargo Reflect® Card earns a money8020 score of 93/100, ranking #4 of 7 balance transfer credit cards.
- Offers a 21-month 0% intro APR on both purchases and balance transfers, one of the longest dual offers around
- Carrying a $1,000 balance at the 17.49% minimum APR costs roughly $175 a year in interest.
- Best for people shopping for a balance transfer card.
- Rate and terms sourced from our verified data partner, NerdWallet.
Frequently asked questions about the Wells Fargo Reflect® Card
Does the Wells Fargo Reflect® Card have an annual fee?
Per NerdWallet, our data partner, the card has no annual fee. Its regular APR is 17.49%–28.24% variable (as of 05/30/2026). Terms can change — confirm current details on the issuer's site. This is not financial advice.
What stands out about the Wells Fargo Reflect® Card?
Per NerdWallet, it offers a 21-month 0% intro APR on both purchases and balance transfers, one of the longest dual offers around. Confirm current terms with the issuer before applying.
Will applying for the Wells Fargo Reflect® Card hurt my credit score?
Applying triggers a hard inquiry, which can dip your score a few points temporarily. Used responsibly — paying on time and keeping balances low — the card builds your credit over time.
Do the rewards on the Wells Fargo Reflect® Card expire?
On most cards, rewards do not expire while the account is open and in good standing, though terms vary. Redeem regularly and check the issuer's rewards policy.
Sources
We sourced these figures from our verified data partner and independently confirmed the provider’s regulator status, last checked May 30, 2026. Primary sources: