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Wells Fargo Reflect Card review

Sorry, Diamond Preferred — there’s a new 21-month 0% intro APR card in town.

  • Get this card if you want an intro APR card with one of the longest intro periods on the market for both purchases and balance transfers.
  • Pick something else if you want a card that can earn rewards after your intro APR is over.
  • Apply with an excellent credit score of 800 or greater.


Annual fee

0% intro for the first 21 months (then 12.99% to 24.99% variable)

Purchase APR


Minimum Credit Score


Annual fee$0
Purchase APR0% intro for the first 21 months (then 12.99% to 24.99% variable)
Balance transfer APR0% intro for the first 21 months (then 12.99% to 24.99% variable)
Minimum Credit Score800

Review by

Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The Wells Fargo Reflect Card is the second new card released since the bank announced a renewed focus on its credit card lineup. This time, Wells Fargo has released a snazzy new intro APR card: it offers 18 months of 0% APR on purchases and balance transfers, with the ability to extend that period by another three months when you pay at least the minimum payments on your first three statements. After the intro period, the card’s APR reverts to 12.99% to 24.99% variable, and the card carries no annual fee.

The best card to compare the Reflect Card to is the Citi® Diamond Preferred® Card, which has long been the leading balance transfer card on the market. The Diamond Preferred has always hovered around 18 to for its balance transfer period but offers a smaller intro length of around 12 months for purchases. The Wells Fargo Reflect Card makes no distinction between the two: you’ll enjoy up to 21 months on both purchases and balance transfers, which can result in some strong savings on interest if you can pay off your transferred balance quickly enough. The Reflect’s intro balance transfer fee is also lower at 3% compared to the Diamond Preferred’s .

The Reflect comes with a few other nice perks as well, like cell phone protection, roadside dispatch and even the ability to earn cash back through the Wells Fargo Deals program. All these additional features combined with the lengthy period on purchases and balance transfers add up to give the Wells Fargo Reflect Card the edge over the Diamond Preferred and your new go-to card pick for saving on interest.

How to apply for the Wells Fargo Reflect Card

You can apply for the Wells Fargo Reflect Card by doing the following.

  1. Go to the provider's site and select Apply now.
  2. Mouse over Banking and credit cards and select Credit cards from the drop-down menu.
  3. Scroll down to the Wells Fargo Reflect Card and select Apply now.
  4. Fill in the requested information, check off any applicable boxes and select Submit.

Wells Fargo Reflect Card benefits

  • Intro APR period on purchases and balance transfers. This card offers an 18-month 0% APR period on purchases and balance transfers, reverting to 12.99% to 24.99% afterward. This 18-month period is extended by up to three months when you make at least your monthly payment on time during the intro and extension periods. This period length of 21 months is among the longest on the market.
  • Longer-than-average time to transfer your balance. You have 120 days days from account opening to transfer your balance and receive the card’s intro APR offer. Many other balance transfer cards offer around 60 days to make this transfer.
  • No annual fee. You won’t pay an annual fee to use this card.
  • Cell phone protection. You can get up to $600 of cell phone protection when you pay your cell phone bill with your card.
  • Roadside dispatch. The Reflect offers access to a 24/7 roadside dispatch service should you ever need roadside assistance, towing or locksmith services.
  • My Wells Fargo Deals. The My Wells Fargo Deals portal allows you to activate a deal with participating retailers and earn cash back on your purchases when you use your Wells Fargo card.

Wells Fargo Reflect Card drawbacks

  • Low long-term value. Aside from enrolling in select deals through the My Wells Fargo Deals portal, the Reflect doesn’t inherently earn any rewards or cash back on purchases. This makes it a poor choice for generating long-term value compared to a rewards card.
  • Foreign transaction fees. This card charges a 3% fee on purchases made abroad.

Compare 0% intro APR credit cards

For a look at how the Wells Fargo Reflect Card stacks up against the competition, select up to four intro APR cards and select Compare to see them side by side.

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Preferred® Card from American Express
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Chase Freedom Unlimited®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
0% intro for the first 15 months (then 14.99% to 23.74% variable)
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.

Compare up to 4 providers

Wells Fargo Reflect Card customer reviews and complaints

There aren’t many direct consumer reviews of the Reflect as of December 2021, but several users on Reddit have expressed surprise at the overall quality of Wells Fargo’s last few card offerings.

Wells Fargo has several active alerts on the Better Business Bureau regarding business marketplace conduct, and the bank is not accredited nor rated with the organization.

The bank currently sports a 1.3 out of 5 rating on Trustpilot, with customer reviews citing poor customer service, particularly during the pandemic.

Bottom line

The Wells Fargo Reflect Card is a surprising addition to the credit cards market from a bank that traditionally was outclassed by the competition. It takes direct aim at the Citi® Diamond Preferred® Card and surpasses it by offering a superior intro length on purchases along with some perks you can’t find on the Diamond Preferred. If you need to save interest on your debts or new purchases, the Reflect is a terrific new choice. If you don’t think this card is right for you, check out other credit cards with low interest rates on the market.

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