- 1.5% on all purchases
- No annual fee
- Doesn't count toward 5/24
Wells Fargo Reflect
VISAWells Fargo・Visa・No.086
A pure intro-APR card giving you almost two years of interest-free time on new purchases and transfers.
Reward highlights
- 0% intro APR on purchases and qualifying balance transfers for 21 months
- No annual fee
- Cellphone protection when you pay your bill with the card
Who it's for
Best for people planning a big purchase or transfer who want a long interest-free stretch.
Good for
Key benefits
- No annual fee
- One of the longest 0% intro APR periods available
- Up to $600 cell phone protection ($25 deductible) when you pay your bill with the card
- Zero-liability fraud protection
Rates & fees
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Frequently asked questions
Does the Wells Fargo Reflect have an annual fee?
No, there is no annual fee.
Does it charge foreign transaction fees?
Yes, it charges a 3% foreign transaction fee, so it is not ideal abroad.
Who is this card for?
Best for people planning a big purchase or transfer who want a long interest-free stretch; good credit (~670+) is recommended.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.