Wells Fargo Reflect® Card Review

Overview

Wells Fargo is one of the largest financial institutions in the U.S., boasting over $1.7 trillion in assets (as of June 2024) and more than 4,200 branches nationwide. The bank’s product portfolio includes an array of credit cards designed to help customers achieve various financial and lifestyle goals.

Among these is the Wells Fargo Reflect® Card, whose standout feature is an extended 0% intro APR. With this card, you can enjoy 21 months from account opening of zero interest on all purchases and eligible balance transfers.

Suitable For?

Because of its long 0% intro APR (21 months from account opening), the Wells Fargo Reflect card is best for people looking to pay off a big purchase or consolidate and then pay down existing credit card debt without incurring additional interest.

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Interest and Fees

The Wells Fargo Reflect credit card offers a highly competitive 0% intro APR for 21 months from account opening on purchases as well as eligible balance transfers (those made within 120 days of account opening). After the introductory period, it's 17.74%, 24.24%, or 28.49% Variable APR.

The card has no annual fees. However, balance transfers attract a fee of 5% or a minimum of $5. There’s also a 5% cash advance fee (or a minimum of $10) as well as a foreign transaction charge of 3%.

Rewards

The Wells Fargo Reflect credit card's primary focus is to give cardholders a long zero-interest period. Therefore, it doesn’t offer as many noteworthy rewards as you might get with other cards. Indeed, if your main priority is to earn rewards, Wells Fargo offers other options that may be a better fit.

That said, the Reflect card still includes a few valuable perks, such as:

• Cell phone protection: Up to $600 in coverage against theft or damage when you pay your phone bill with the card ($25 deductible).

• Roadside dispatch: 24/7 assistance with services like towing and lockouts.

• Access to “My Wells Fargo Deals”: Earn cash rewards when you shop, dine, or pay for experiences using your Wells Fargo card.

• Free credit score monitoring: Complimentary access to your FICO® Score.

The Application Process

Wells Fargo offers a convenient pre-qualification tool on its website to check if you have pre-approval for any of its credit cards, including the Reflect card. This process takes just a few minutes and doesn’t impact your credit score. Getting pre-approved doesn’t guarantee final approval, but it means your chances are quite high.

If you prefer, you can skip the pre-approval step and apply directly for the card online. In this case, Wells Fargo will perform a hard credit inquiry, which could temporarily affect your credit score.

Simply search for the Wells Fargo Reflect card on the bank's website, click the "Apply Now" button, and complete the online application form. You’ll need to provide some personal information (such as your name, address, and Social Security number) along with some financial details like your employment status and total annual income. Click submit once you’re done.

You’ll typically have an approval decision within minutes. However, in some cases, it might take longer (5-7 days) if the company needs to conduct extra verification checks. Once approved, Wells Fargo will mail your new card within 7-10 business days.

Besides the online option, you can also apply for the Reflect card at your local Wells Fargo branch.

See Rates and Fees

Help & Support

Wells Fargo offers cardholders 24/7 support on the phone. This includes a dedicated fraud hotline, which you find on the back of your card. You can also schedule an appointment at a local branch for in-person support.

The bank’s website features a comprehensive FAQ section, where you can find answers to common questions about the Reflect card.

User reviews paint a mixed picture of Wells Fargo’s customer service. Some customers say they received prompt and helpful support. However, others report frustrating experiences, including long wait times and being transferred between multiple agents without ultimately getting a resolution.

Security

Wells Fargo uses industry-standard encryption protocols including Secure Sockets Layer (SSL) to protect your information when using its mobile and banking services. The bank also offers biometrics and two-factor authentication for secure and convenient access to your account.

Additionally, Wells Fargo monitors your credit card account round the clock and will notify you immediately if it detects any unusual activity. Your online and mobile banking sessions will also automatically log out after a period of inactivity.

Finally, Wells Fargo offers zero liability protection, which means you won’t be responsible for unauthorized transactions — for example, if your card or its details are stolen — as long as you report it immediately.

Conclusion

The Wells Fargo Reflect® Card is an excellent option for people seeking an extended no-interest period to pay down credit card debt or finance a big purchase. 0% intro APR offer on purchases and eligible balance transfers is one of the most competitive in the market.

However, if you’re looking for additional perks, such as reward points for your everyday spending, there are better options out there.

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