THE CARDTUNED DATABASE
Wells Fargo Reflect Card
Issuer: Wells Fargo · Network: Visa
No rewards focus; introductory APR card
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers; transfers must be made within 120 days.
- Regular APR
- 17.49%, 23.99% or 28.24% variable APR thereafter.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
No cash or points welcome bonus; 0% introductory APR for 21 months is the primary new-account offer.
Offer last checked: 2026-09-04
Additional benefits
• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
• Up to $600 in cell phone protection against covered damage or theft, subject to a $25 deductible.
• Roadside Dispatch access is available to eligible cardholders.
• My Wells Fargo Deals provides access to activated merchant offers.
• Zero Liability protection applies to promptly reported unauthorized transactions, subject to terms.
Restrictions to know
Qualifying balance transfers must be made within 120 days of account opening and a balance-transfer fee applies. After the introductory period, a 17.49%, 23.99% or 28.24% variable APR applies. Cell phone protection requires payment of the monthly wireless bill with the card and is subject to exclusions, limits, and deductible.
Who can apply
U.S. applicant of legal age; subject to Wells Fargo credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies