Wells Fargo Reflect
21-month 0% intro APR, best balance-transfer card on the market.
External link to Wells Fargo’s own application page.
The Wells Fargo Reflect has no annual fee. It earns 1% on all spends. Forex markup is 3%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much Wells Fargo Reflect actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the Wells Fargo Reflect earn?
What you earn back, by category.
No welcome bonus, value is the long 0% APR
What do you get with the Wells Fargo Reflect?
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
Who qualifies for the Wells Fargo Reflect?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What people say about the Wells Fargo Reflect
Real answers from readers. No login, and nothing here affects our scores.
Wells Fargo Reflect FAQ
›What is the Wells Fargo Reflect annual fee?
The Wells Fargo Reflect has no annual fee.
›What does the Wells Fargo Reflect earn?
It earns 1% on all spends.
›What is the Wells Fargo Reflect forex markup?
The Wells Fargo Reflect charges 3% forex markup on foreign-currency spends.
›What income do you need for the Wells Fargo Reflect?
Wells Fargo publishes no minimum income requirement for this card; approval rests on your credit profile.
›What is the Wells Fargo Reflect welcome bonus?
No welcome bonus, value is the long 0% APR.
›Are these Wells Fargo Reflect figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
