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3. Wells Fargo Reflect® Card review: Long intro APR, incentive to pay on time

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266 reviews from Intuit Credit Karma members

2.3

Rating: 2.3 out of 5.

Great for long intro APR periods

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Wells Fargo Reflect® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $8,414, with $3,000 being the most common.

Here’s the average credit score of members who matched their Wells Fargo Reflect® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 693, with 748 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

33%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

49 years

Average age of members who matched this card or similar cards.

$98,783

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Long introductory APR offer

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No annual fee

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Cellphone protection

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Balance transfer fees may cost you

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No rewards program to provide ongoing value

What you need to know about the Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card, with its $0 annual fee and long intro APR period for balance transfers and purchases, may be a good option if you’re looking to transfer a balance. It also comes with an incentive to pay on time.

Here are a few other things you may want to consider before you apply.

Long introductory APR offer

The Wells Fargo Reflect® Card comes with 0% APR for 21 months from account opening on purchases and balance transfers made within 120 days from the day you open your account. 

There’s a balance transfer fee of 5% (minimum $5) of the total balance transferred. And after the intro period ends, the card’s ongoing APR for both balance transfers and purchases jumps up to a variable 17.24%, 23.74%, 28.99%.

Intro offers are the same length

With this card, the introductory APR offers for both balance transfers and purchases are the same length. This can help you keep track of your finances, since you won’t have to worry about getting caught up with tricky timeline math or interest rate confusion.

No rewards

The Wells Fargo Reflect® Card doesn’t have a rewards program, but you may still be able to get cash back on qualifying shopping, dining and experience purchases through the My Wells Fargo Deals program. To take advantage of this special program, you’ll first have to activate the deals. Any cash back you earn will show up as a statement credit.

What else you need to know about the Wells Fargo Reflect® Card

• Cellphone protection — If you use the card to pay your monthly bill, you’ll be eligible for cellphone protection coverage up to $600 to cover the cost of a lost or stolen phone.
• Current Wells Fargo cardholders may not be able to apply — If you opened another Wells Fargo card within the last six months, you may not be eligible to apply for this card.
• 24/7 roadside assistance — You’ll have some support on the road with the card’s 24/7 emergency roadside assistance.
• Traveling internationally will cost you — The card has a 3% foreign transaction fee. So if you’re planning on traveling outside the U.S., you may want to consider another card that won’t rack up extra fees abroad.

Who this card is good for

The Wells Fargo Reflect® Card may not seem like it offers much ongoing value, since it doesn’t offer rewards. But the 21-month intro APR period could be good if your focus is handling debt and you need more than a year to pay it off. But if you don’t need as much time, you could consider another card that offers rewards — even if it has a shorter 0% APR offer.

Not sure this is the card for you? Consider these alternatives.

If the Wells Fargo Reflect® Card isn’t right for you, you might be interested in one of these other credit cards.

• U.S. Bank Visa® Platinum Card: This card is another solid balance transfer card with a long introductory APR period.
• Citi Double Cash® Card: If you’re looking for ongoing value after you’ve paid off your debt, this card may be a good fit.
• Wells Fargo Active Cash® Card: This card’s rewards give it long-term value in addition to its introductory APR offers.