01 / Fit
Who this card fits
The Wells Fargo Reflect fits when you want 0% on both an existing balance and any necessary new purchases for roughly the same long window. The introductory lower transfer fee (when you act in the first few months) makes this card cheaper to start than most other long-window cards. Cell phone protection adds a small but real ongoing benefit. Best fit: balances around $3,000 to $15,000 with a FICO score of 670 or above.
02 / Terms
Balance transfer terms
- ■21-month 0% intro APR on purchases and balance transfers
- ■3% introductory fee on transfers made in first 120 days
- ■Cell phone protection up to $600
- ■No annual fee
Notable: 3% fee for transfers in first 120 days (5% after)
03 / Scenario
Payoff scenario: $7,500 balance
Transfer Fee
$375
Interest Avoided
$2,992
Net Saving
$2,617
Monthly Payment
$357
Based on $7,500 transferred from a card around 22.99% APR, paid off in full over 21 months.
04 / Trade-offs
For and against (balance transfer use)
For
- +Long 0% window applied to both balance transfers and new purchases
- +Introductory lower transfer fee window for transfers requested in the first few months
- +Cell phone protection (with a small deductible) when you pay your phone bill on the card
- +No annual fee
- +More accessible FICO requirement than some other long-window cards
Against
- −The lower fee window is time-limited; the fee then steps up
- −Penalty APR can apply on payments more than two months late
- −No rewards or cash back program
- −Same-issuer restriction: balances on other Wells Fargo cards cannot be moved here
- −Customer-service reviews on this issuer are mixed (depending on channel)
05 / Closest Peers
How it stacks up against the closest peers
| Card | 0% Window | Fee | Reverts To | Min FICO |
|---|---|---|---|---|
| Wells Fargo Reflect (this card) | 21 mo | 5% | 17.49% - 29.49% | 670+ |
| Citi Simplicity | 21 mo | 5% | 18.49% - 29.24% | 690+ |
| U.S. Bank Visa Platinum | 21 mo | 5% | 18.49% - 29.49% | 700+ |
06 / After Intro
After the 21-month window
After the intro window, the APR reverts to roughly 17.49% - 29.49% (variable, set by your creditworthiness and the U.S. Prime Rate). Missing a payment by 60+ days can trigger a penalty APR of up to Up to 29.99%.
For a full plan if you cannot finish paying down before the intro ends, see what happens when the 0% period ends.
07 / Application
Before you apply
- 01Aim for a FICO score of 670+ before applying. Check your score for free through your existing bank or a service like Credit Karma.
- 02Have your old card account number handy. You'll need it to initiate the transfer after approval.
- 03Request the transfer within 120 days of account opening to qualify for the 0% rate.
- 04Set up autopay the moment the new card activates, even before the transfer completes. That protects the promotional rate from day one.
08 / Q & A
Wells Fargo Reflect questions
01Is the introductory transfer fee on the Wells Fargo Reflect actually lower?
Yes, but only for transfers requested inside the introductory window after account opening. After that window closes, the fee steps up to the standard tier. Apply and request the transfer as soon as the new card is activated to lock in the lower fee.
02Does the Wells Fargo Reflect offer 0% on purchases too?
Yes, this card extends the 0% intro APR to both balance transfers and new purchases for roughly the same window. That's less common than 0% only on transfers, and it can help if you have unavoidable new spending while paying down the transferred balance.
03What is the cell phone protection?
If you pay your monthly cell phone bill with the card, the issuer covers damage or theft of your phone up to a per-claim cap (currently around $600), subject to a small deductible. Coverage typically applies to the primary line and a handful of additional lines. Verify current limits and exclusions in your benefits guide.
Next Step
Run your numbers with this card
Plug in your exact balance and current APR to see the full picture for Wells Fargo Reflect.