Wells Fargo Reflect – How to apply

By Raquel Oliveira • 03/19/2025

Wells Fargo Reflect 0% intro APR for 21 months and no annual fee.

The Wells Fargo Reflect is an exceptionally advantageous credit card, offering one of the longest 0% introductory APR periods available—18 months on purchases and balance transfers.

This extended interest-free period provides ample flexibility, making it an ideal choice for individuals planning large purchases, financing significant expenses, or consolidating high-interest debt into a manageable repayment plan.

Beyond its competitive APR offer, the Wells Fargo Reflect card ensures seamless account management through the Wells Fargo website and app, empowering users to track their account balance, monitor balance transfers, and initiate transfers with ease. 

The card’s intuitive digital tools make it simple to stay on top of financial activity, providing convenience and control for cardholders. This feature is especially valuable for busy individuals who prioritize easy access to their financial accounts.

How does the Wells Fargo Reflect credit card work? 

Wells Fargo Reflect card offers 0% APR for both 18 months, making it perfect for those who want to avoid high interest rates on purchases and balance transfers.

During this period, the user can make purchases and transfer balances from other cards without interest being added, resulting in great savings when paying off debts.

After the 0% APR period of 18 months, the card will charge interest on the remaining balance. However, customers can easily manage payments and balance transfers via the Wells Fargo website or app.

Main benefits of Wells Fargo Reflect

• 0% APR on purchases and balance transfers for 18 months:One of the biggest benefits of the Wells Fargo Reflect card is its introductory price of 0% APR on purchases and balance transfers for 18 months. 

This provides significant financial flexibility and allows holders to repay their debt interest-free over a long period of time.

• No annual fee:The Wells Fargo Reflect card has no annual fee. This means you can enjoy all the benefits without incurring additional card maintenance costs. This makes it an affordable option for those looking for a credit card with no maintenance fees.
• Easy Online Management: This card offers a simple online management process with access to the Wells Fargo website and app, allowing you to conveniently and quickly track your spending, balance transfers, payments and other transactions.

The app also allows you to set alerts and notifications, so you always know about your accounts and account balances.

Cons of Wells Fargo Reflect

• Interest rate after the promotion period: After 18 months of 0% APR, the Wells Fargo Reflect card’s variable interest rate is relatively high, ranging from 19.99% to 7.99%.Applicant creditworthiness analysis.

This means that after the forgiveness period ends, you may have difficulty repaying the balance due to accrued interest.

• Foreign transaction fee: The Wells Fargo Reflect card charges a 3% foreign transaction fee on purchases made abroad.Fees can increase the cost of purchases abroad, which can be inconvenient for people who travel frequently or shop on foreign websites.
• Benefits and exclusions: Unlike other Wells Fargo cards, the Wells Fargo Reflect card does not offer a rewards program or additional benefits such as cash back or miles.This can be a disadvantage for those looking for additional benefits or exclusive perks on their purchases.

APR and fees

The Wells Fargo Reflect card offers a 0% introductory APR on purchases and balance transfers for 18 months for those wishing to finance purchases or consolidate debts without interest.

This interest-free period offers the perfect opportunity to create a payment plan without feeling any financial pressure.

APR after the promotional period is variable and ranges from 19.99% to 7.99% depending on the applicant’s credit profile. The high interest rates after promotional periods can be difficult for those who are unable to pay off the balance in full.

This card also charges a foreign transaction fee of 3%, which can be a disadvantage for frequent travelers or those who shop abroad. In addition, your card may have additional charges, such as: B.

How to Apply for the Wells Fargo Reflect

Applying for the Wells Fargo Reflect Card is simple and can be done online. To apply, visit the Wells Fargo website and fill out the application form with the following details:

• Name, address, and Social Security number
• Income and employment details
• Any existing credit card balances (if applying for a balance transfer)

Wells Fargo will review your application and check your credit score to determine eligibility. This card is best suited for applicants with good to excellent credit (690+ FICO score), though approval is not guaranteed.

If approved, you’ll receive your card in 7–10 business days. Once activated, you can start using it for purchases and balance transfers right away.

To maximize the benefits, it’s best to pay off your balance before the 0% APR period ends to avoid high interest charges.

Conclusion

The Wells Fargo Reflect Card is a fantastic option for people who need an extended period of 0% APR to pay off large expenses or consolidate debt. With up to 21 months of no interest and no annual fee, it offers a valuable opportunity to manage finances efficiently.

However, this card doesn’t offer rewards, so it’s not ideal for those looking to earn cashback or travel points. Additionally, the balance transfer fee of 5% may limit the savings potential for those moving high-interest balances.

If your priority is avoiding interest while paying off existing debt or financing major purchases, the Wells Fargo Reflect is one of the best options available. Just be sure to pay off your balance before the APR jumps to avoid costly interest charges.