Wells Fargo Reflect® Card

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Wells Fargo makes every lending decision.

Annual fee and first-year pricing

The Wells Fargo Reflect Card has no annual fee. Please refer to the Important Credit Terms for details on other fees and current rate information.

Purchase APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24% or 28.49% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Introductory APR and duration

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24% or 28.49% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate. Lowest intro APR for 21 months from account opening on purchases and qualifying balance transfers

Balance transfers and fees

Yes, typically there is a balance transfer fee associated with the Wells Fargo Reflect Card. Please refer to the Important Credit Terms for the most current rate and fee information. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24% or 28.49% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate. If you are approved for a balance transfer, the amount will be issued up to your available credit limit and will include any balance transfer fees. If you have multiple balance transfer requests, then the largest balance transfer request will be processed first. The Reflect Card has been awarded accolades by U.S. News, Fool Money, a Motley Fool Service, CompareCredit, Finance Buzz, and Investopedia including Best in Balance Transfer Credit Cards, Best 0% Intro APR Credit Card, Best Low Interest Credit Card, Best 0% Intro APR and Balance Transfer Credit Card, and Best Balance Transfer Card.

Foreign transaction fee

Does the Wells Fargo Reflect Credit Card have a foreign transaction fee? There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information.

Membership, location and eligibility

Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.

Conditions to know

• Intro APR length, transfer fee, and post-promo APR depend on current offer terms.
• A balance transfer does not erase debt; make payments by the due date.

Recorded from Wells Fargo’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.