The Wells Fargo Reflect Visa stands out as a low-interest credit card built for flexibility, savings, and protection. With an unmatched 0% introductory APR for up to 21 months on both purchases and balance transfers, it’s one of the longest promotional periods available today. That means you can consolidate balances or finance big-ticket items with confidence—without worrying about interest during that time.
But this card isn’t just about interest savings. Cardholders also benefit from cell phone protection, exclusive cashback opportunities through My Wells Fargo Deals, and free monthly FICO Score updates with Credit Close-Up®. Add to that built-in fraud safeguards, global Visa acceptance, and 24/7 roadside dispatch, and you get a product that combines powerful financial relief with everyday peace of mind.
Key Benefits of the Wells Fargo Reflect Visa
- Industry-Leading 0% APR Period
Enjoy 0% APR for 21 months on purchases and qualifying balance transfers, making it one of the best options for debt consolidation or financing large purchases. - No Annual Fee
All benefits and perks come without an annual charge, keeping more savings in your wallet. - Cell Phone Protection
Receive up to $600 in coverage for theft or damage when you pay your monthly bill with the card (subject to a small deductible). - Exclusive Cashback Offers
Through My Wells Fargo Deals, you can activate and earn personalized cashback offers at select retailers. - Free Credit Monitoring
Credit Close-Up® gives you complimentary access to your FICO Score each month, plus insights into your credit profile. - Zero Liability Security
Stay protected from unauthorized purchases—cardholders aren’t responsible for fraudulent charges. - Roadside Dispatch Service
Access 24/7 emergency roadside assistance for towing, jump-starts, and lockouts. - Balance Transfer Flexibility
Transfers made within the first 120 days qualify for the promotional 0% APR period. - Global Visa Acceptance
Shop and travel worldwide with one of the most widely recognized payment networks. - Recognized Low-Interest Leader
Frequently highlighted as one of the top low-interest credit cards available today.
Eligibility Requirements
To apply, applicants typically need to:
- Be at least 18 years old (19 in some states).
- Have a valid Social Security Number.
- Provide a permanent U.S. mailing address.
- Demonstrate good to excellent credit.
- Show proof of stable income.
How to Apply
- Visit the official Wells Fargo website.
- Select the Reflect Visa application page.
- Enter personal and financial details (name, SSN, income, employment).
- Review the terms and disclosures.
- Submit your application online.
- Get a decision—many applicants receive approval within minutes.
Frequently Asked Questions
Does the Reflect Visa have an annual fee?
No, this card charges no annual fee.
How long does the intro APR last?
You’ll get 0% APR for 21 months on purchases and qualifying balance transfers.
What happens when the promo period ends?
After the intro period, a variable APR of 16.99%–28.74% applies.
Is there a balance transfer fee?
Yes, transfers made within 120 days incur a fee, and later transfers may cost more.
Does it charge foreign transaction fees?
Yes, there’s a 3% fee for purchases made outside the U.S.
What protection does it offer for cell phones?
Up to $600 per claim for theft or damage when you pay your wireless bill with the card.
Are rewards included?
Yes—through My Wells Fargo Deals, which provides targeted cashback opportunities.
Does it help track credit health?
Yes, monthly FICO Score access is included at no charge.
Is it safe for online use?
Yes, Zero Liability ensures you’re not responsible for unauthorized charges.
What credit profile is best to apply?
Applicants with good to excellent credit have the strongest chance of approval.
