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Wells Fargo Reflect Card: No Annual Maintenance fee and an Introductory 0% APR for 21 Months
The Wells Fargo Reflect serves as a Visa credit card which provides excellent value for regular spending while offering 0% introductory APR for 21 months and no annual fee.
The Wells Fargo Reflect stands as a top zero-fee card winner according to multiple awards and provides excellent terms for American consumers. Here’s how to apply.
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Wells Fargo operates as a financial services company which has served the United States for more than 170 years through multiple business model changes to serve American consumers.
The credit card lines at Wells Fargo provide suitable options for various customer needs.
The Wells Fargo Reflect provides cardholders with a 0% APR promotion that lasts for 21 months after account activation. The introductory balance transfer rate at Wells Fargo remains active for 120 days starting from when customers open their account.
The card provides cell phone protection which covers losses or thefts or damages up to $600 with a typical $25 deductible for claims.
The Roadside Dispatch service provides emergency roadside assistance through its 24/7 support system. The Dispatch service package includes locksmith services and towing and other types of assistance which help customers in challenging situations when they are away from home.
What is the credit card limit?
The credit card starts with a $1,000 limit which provides a standard amount for everyday spending needs.
Is there any sign-up bonus?
The Wells Fargo card does not offer a welcome bonus since this benefit exists in different banking products.
What are the main fees?
The Reflect card requires no monthly maintenance fee but charges 5% on all balance transfers made after the promotional period and has interest rates ranging from 18.24% to 29.99% and 24.74%.
What's the score for the card?
The card requires applicants to have credit scores between good and excellent to qualify for this credit line.
Is it possible to apply online?
You can submit your application through Wells Fargo’s secure online platform.

CREDIT CARD
Wells Fargo Reflect
If you want the card, then see how to apply.
SEE HOW TO APPLY * You will remain on the current websiteThe My Wells Fargo Deals system lets users shop with personalized access to earn cashback rewards from dining and experience purchases.
You can earn rewards through cashback when you buy products and services with your eligible Wells Fargo Reflect card.
The Visa logo provides worldwide acceptance while offering international company support for quality and peace of mind.
The Reflect offers Credit Close-UP which tracks your FICO score and provides guidance to enhance your credit score at no additional cost to Wells Fargo account holders.
The card functions well for everyday financial management through a more connected and healthier approach to money handling.
Want to learn another option?
Wells Fargo provides additional credit card options that include the Autograph which grants new users 20,000 points as a sign-up reward.
The credit card serves daily needs while delivering travel perks to users who want to apply for it.