The Wells Fargo Reflect Card isn’t just another credit card. It’s a financial planning tool for individuals who want to reduce their interest burden, pay off debt, or finance purchases over time—without the pressure of rising APRs. With up to 21 months of 0% intro APR on purchases and balance transfers, you gain valuable breathing room.
And there’s more: no annual fee, mobile tools that put your account at your fingertips, strong security features, and even cell phone protection. It’s the kind of simplicity and flexibility you can build financial confidence on.
Benefits That Make a Real Difference
From interest savings to digital control, Reflect is crafted with the features that matter most:
Up to 21 Months of 0% APR
Save with 0% intro APR for 18 months on new purchases and qualifying balance transfers. Plus, if you make all your minimum payments on time during that period, you’ll receive an automatic 3-month extension—totaling up to 21 months without interest. That’s one of the longest offers you’ll find.
No Annual Fee to Weigh You Down
Keep your credit line open without worrying about annual costs. Reflect doesn’t charge a yearly fee, so every dollar you pay goes toward your balance—not your card’s maintenance.
Automatic Cell Phone Coverage
Use your Reflect Card to pay your wireless bill, and you’ll automatically receive up to $600 in coverage against damage or theft per claim, twice a year. A $25 deductible applies, but no extra forms or enrollment is required.
Contactless Tap-to-Pay
Pay faster and more securely at checkout with tap-to-pay technology. No need to touch the terminal or hand over your card. It’s quick, safe, and accepted almost everywhere.
Statement Credits via My Wells Fargo Deals
Get cash back in the form of statement credits when you use your Reflect Card with merchant offers available through the Wells Fargo Deals platform. These personalized deals help you save on things you already buy.
Real-Time Account Alerts
Stay on top of your financial activity with instant alerts for transactions, due dates, and spending patterns. You’ll always know what’s happening with your account, allowing you to respond fast and avoid surprises.
Zero Liability for Unauthorized Charges
Reflect includes Wells Fargo’s Zero Liability protection, which means you’re not held responsible for any unauthorized charges. Combined with 24/7 fraud monitoring, you’re covered against misuse and cyber threats.
Wells Fargo Mobile App Access
Control your card, view your FICO Score, pay your bill, or set alerts—all from your smartphone. The app is intuitive and provides 24/7 access to your account.
Autopay and Custom Due Dates
Avoid missed payments by setting up autopay. You can also request a billing date that matches your financial schedule, giving you full flexibility and consistency.
Use for Balance Transfers and Save Big
Transfer balances from higher-rate cards and pay zero interest during the promo period. A balance transfer fee of 5% ($5 minimum) applies, but for most users, the interest savings over 18–21 months can be substantial.
Credit Health Tools Included
Receive complimentary access to your FICO Score each month, helping you monitor your progress and stay informed. Responsible card use can also contribute positively to your credit profile.
Is Reflect Right for You?
The Wells Fargo Reflect Card is an ideal choice for people who:
- Carry a balance and want to pay it off without accumulating interest
- Need to finance a large purchase or emergency expense
- Prefer simplicity over flashy rewards
- Want low fees and high flexibility
To qualify, you should:
- Be a legal U.S. resident
- Be at least 18 years old
- Have a good credit score (FICO 670+)
- Demonstrate stable income and responsible financial history
How to Apply for the Reflect Card
Follow these easy steps to apply:
- Visit the official Wells Fargo Reflect Card webpage.
- Click “Apply Now” to begin a secure application.
- Provide basic personal and financial details (SSN, income, employment).
- Review and submit the form.
- Receive an instant decision in most cases. If approved, your card will arrive in 7–10 business days.
FAQs – Reflect Card Essentials
What is the length of the intro APR offer?
You’ll get 0% intro APR for 18 months. If you make all minimum payments on time, Wells Fargo will automatically extend the offer by 3 months—bringing the total to 21 months.
What fees should I expect?
There’s no annual fee. A 5% balance transfer fee applies (minimum $5), and late payment fees may apply if payments aren’t made on time.
How does the phone insurance work?
You’ll receive up to $600 in coverage per claim for damage or theft when you pay your phone bill with the card. No registration needed—just pay your bill.
Are there rewards on purchases?
Reflect doesn’t offer traditional points or miles, but you can activate personalized cashback offers through Wells Fargo Deals.
What credit score is required?
Wells Fargo generally recommends a FICO Score of 670 or higher for approval, though other financial indicators are considered as well.
