Discover how to apply for Wells Fargo Reflect® Card with no annual fee – CashCreditDigest

Discover how to apply for Wells Fargo Reflect® Card with no annual fee


Wells Fargo Reflect® Card: 0% introductory APR for 21 months from the time of account opening on purchases and eligible balance transfers.

Wells Fargo Reflect® Card

Lustezz rating
5 /5
Rates & Fees
See how you can apply Check out the official Wells Fargo Reflect® website
  • Annual Fee
  • Regular APR
    18.24%, 24.74%, or 29.99% Variable APR
  • Welcome Bonus


  • Score
    Excellent, Good


Product Details

Wells Fargo Reflect® Card

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Our take

Additional card features and benefits

Cellular Telephone Protection

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Roadside Dispatch®

A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when
you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information. Terms apply.

My Wells Fargo Deals

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.

Zero Liability protection

Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.

In the bustling world of credit cards, the Wells Fargo Reflect® Card stands out, especially for those seeking a break from interest charges.

This card isn’t just another piece of plastic in your wallet; it offers a generous 0% introductory APR for 21 months on both purchases and qualifying balance transfers, making it a prime choice for anyone looking to consolidate debt or finance a large purchase without the immediate burden of interest.

After the introductory period, the APR shifts to a variable rate of 18.24%, 24.74%, or 29.99%, depending on your creditworthiness.

What are the requirements needed to apply?

To apply for the Wells Fargo Reflect® Card, you need to meet certain criteria. First, you must have a good to excellent credit score, typically around 670 or higher. This requirement underscores the card’s target demographic—individuals who have already established a solid credit history.

Applicants must also be at least 18 years old (or 19 in certain states) and a resident of the United States. Employment status and income are also considered to ensure that potential cardholders have the means to manage credit effectively.

What documents are required?

The application process for the Wells Fargo Reflect® Card requires standard documentation to verify your identity and financial standing. You will need to provide a government-issued photo ID, such as a driver’s license or passport, and your Social Security number.

Proof of income may also be requested, which could include recent pay stubs, tax returns, or bank statements. Additionally, Wells Fargo might require information on your housing costs and existing debt to assess your overall financial health.

By meeting these requirements and providing the necessary documents, you can take a step toward enjoying the extensive benefits of the Wells Fargo Reflect® Card, such as its lengthy interest-free period and added perks like cell phone protection.

The card covers up to $600 against damage or theft when you pay your monthly cell phone bill with your card, subject to a $25 deductible.

Whether you’re looking to ease your financial load or simply enjoy the benefits of a well-rounded credit card, the Wells Fargo Reflect® Card offers a compelling package that could help streamline your finances and protect your purchases.

Exploring the Wells Fargo Reflect® Card: Maximizing financial flexibility

The Wells Fargo Reflect® Card is a standout choice for anyone looking to manage their finances more effectively.

Known for its extended introductory APR period, this card is particularly appealing to those who plan significant expenditures or wish to consolidate existing debts.

Below, we delve into the most common uses for this versatile credit card, helping you understand where it might fit into your financial strategy.

Large Purchases

One of the primary attractions of the Wells Fargo Reflect® Card is its role in financing large purchases. Whether it’s buying new appliances, upgrading technology, or furnishing a new home, the extended 0% APR for up to 21 months on purchases gives cardholders a lengthy period to pay off big-ticket items without incurring interest.

This can ease the financial burden significantly, making large investments more manageable without the immediate stress of high interest costs.

Balance Transfers

For those struggling with high-interest debt on other credit cards, the Wells Fargo Reflect® Card offers a practical solution. With the same 0% introductory APR applied to balance transfers for up to 21 months, users can transfer their existing balances and enjoy a grace period to pay down this debt.

This feature is particularly beneficial for consolidating debts and simplifying monthly payments, potentially saving a significant amount in interest charges over time.

Emergency Fund

While not a typical use, the Reflect® Card can effectively act as a short-term emergency fund. For sudden expenses like medical bills or urgent car repairs, having the option to charge these costs without immediate interest allows for financial breathing room.

This should be approached with caution, however, as it’s crucial to plan for repayment before the introductory period ends to avoid future interest.

Building Credit

If used responsibly, the Wells Fargo Reflect® Card can be an excellent tool for building or improving credit. Regular purchases, coupled with full, on-time payments, can help establish a history of creditworthiness.

This is particularly advantageous for users looking to enhance their credit scores, as timely payments and low credit utilization rates are key factors in credit evaluation.

Our advice for those applying for the Wells Fargo Reflect® Card

When considering the Wells Fargo Reflect® Card, it’s important to have a clear plan for how you will use the card, especially due to its lack of a rewards program. Here are some tips for potential applicants:

  • Check Your Credit First: Ensure your credit score aligns with the good to excellent range typically required for this card. Improving your credit score prior to application increases your chances of approval and potentially secures lower post-introductory interest rates.
  • Plan Your Purchases and Transfers: Strategize your spending and balance transfers to maximize the benefit of the 0% APR period. Consider applying when you foresee upcoming large expenses or if you have existing balances to transfer.
  • Set Up a Repayment Plan: Before making new purchases or transferring balances, outline a clear repayment plan. Ensure that you can pay off the full amount before the end of the 0% APR period to avoid interest.
  • Avoid Unnecessary Spending: Just because you have a longer interest-free period doesn’t mean you should make unnecessary purchases. Use the card judiciously to avoid accumulating debt that could be difficult to manage later.

Weighing advantages and disadvantages – Is the Wells Fargo Reflect® Card worth It?

When evaluating whether the Wells Fargo Reflect® Card is worth acquiring, the benefits clearly align with specific financial strategies and goals, making it highly advantageous for certain users. Here’s a closer look:


The Wells Fargo Reflect® Card shines with its 0% introductory APR on purchases and balance transfers for the first 21 months—a particularly long period compared to many other cards. This feature is invaluable for those planning significant purchases or looking to consolidate other high-interest credit card debts.

Additionally, with no annual fee, the financial burden is reduced, making it accessible for more people. The inclusion of up to $600 in cell phone protection (subject to a $25 deductible) when you pay your phone bill with this card adds another layer of value, particularly for those reliant on their mobile devices for both personal and professional use.


The main drawback is the lack of any rewards program, which means no points, miles, or cash back on purchases. This could be a dealbreaker for those who prefer to earn rewards on their spending. After the introductory period, the APR can rise to between 18.24% and 29.99%, which might be steep for those carrying a balance.

Apply for the Wells Fargo Reflect® Card on the official website once and for all!

Ready to take control of your financial future with the Wells Fargo Reflect® Card? Don’t wait! Click the button below to apply directly on the official Wells Fargo website.

It’s your chance to enjoy extensive interest-free periods and more financial flexibility. Apply now and start your journey towards smarter spending and saving!