Wells Fargo Reflect® Card Review 2022

GOBankingRates Score

4.5
Quick Take: Wells Fargo offers three personal credit cards with great rewards on cash purchases and competitive interest rates. While all three have similar perks, the Wells Fargo Reflect® Card has the lowest and longest introductory APR compared to the Wells Fargo Active Cash® Card and Hotels.com Rewards Visa Credit Card.
  • Fees
    4.6
  • Regular APR
    4.2
  • Perks
    4.2
  • Introductory APR
    5.0
How did we calculate this?

If you’re looking to save money on credit card interest, this (Rates & Fees) review aims to help you decide if this is your best option.

Pros

  • $0 annual fee
  • Low introductory APR for up to 21 months
  • Three-month introductory APR extension
  • Low cost on balance transfers
  • Roadside service, cell phone protection and zero liability protection

Cons

  • Balance transfers are subject to approval and fees
  • No grace period on balance transfers
  • Loss of introductory APR for late payments

Wells Fargo Reflect Card Overview

Wells Fargo is well known for responsible lending in consumer credit, providing customers with the information needed to make sound decisions about credit products and services. Whether you’re a bank member or not, you’re bound to find the right Wells Fargo credit card for your consumer needs. The Wells Fargo Reflect Card is the newest one it offers, backed by Visa and designed to help you save on credit card interest.

Some of the Wells Fargo Reflect Card’s benefits include:

  • $0 annual fee
  • Access to select merchant deals
  • Built-in unauthorized transaction liability protection
  • 24/7 emergency Roadside Dispatch
  • Up to $600 of cell phone protection

Continue reading to learn more about other benefits the offers and decide whether it’s worth carrying in your wallet.

Who Is the Wells Fargo Reflect Credit Card Best For?

The Wells Fargo Reflect Card is best for those who would like an extended period of flexibility when paying for purchases. It offers an initial 18 months of 0% APR from account opening on purchases and qualifiying balance transfers with an additional three months, totaling 21 months. If you’re not sure if you can pay off your Wells Fargo Reflect credit card’s balance within 21 months, you might want to reconsider. After the extended 0% APR period, interest rates increase from

There’s good news if you have balances to transfer from other higher-interest credit cards: Balance transfers made within 120 days of opening a Wells Fargo Reflect Card account qualify for the 0% introductory rate and fee. Simply sign on to your Wells Fargo account online and request a Reflect credit card balance transfer under “Account Management.”

If you’re looking for a credit card that offers a welcome bonus or spending rewards, then the Wells Fargo Reflect Card may not be for you. You might change your mind, though, if you also value saving on interest payments. 

Features of the Wells Fargo Reflect Credit Card

The Wells Fargo Reflect Card earned a GOBankingRates score of 4.5 out of 5. Here are a few details on the attractive features that earned this credit card a high score.

Cell Phone Protection

If you’ve ever dropped and damaged your cell phone or had it stolen, credit card cell phone protection is a nice coverage option to have. With your Wells Fargo Reflect Card, you can get up to $600 of cell phone protection. To be eligible, you must pay your monthly cell phone bill using the card. The benefit is limited to replacing or repairing your original cell phone, and you will have to pay a $25 deductible before the remaining eligible funds are reimbursed.

What You Should Know

  • A maximum of only two paid claims are allowed within 12 months.
  • Each claim has a maximum benefit limit of $600.
  • Lost cell phones are not covered.
  • Protection is only available when cell phone bills are paid with a Wells Fargo Reflect or other Wells Fargo consumer credit card.
  • Coverage does not apply to cell phones under a prepaid plan or borrowed or rented phones.

Roadside Dispatch

Roadside Dispatch is a 24-hour, 7-days-a week, pay-per-use roadside assistance program provided by Visa. The program offers travel convenience and security services, such as:

  • Towing
  • Tire changing
  • Fuel delivery
  • Jump starting

No pre-enrollment or membership is required. There are also no annual dues or usage limits.

With your Wells Fargo Reflect Card, the next time you lock yourself out of your car or get stranded on the road, you can simply call the Roadside Dispatch phone number for assistance. Here are some things to look out for when using the Roadside Dispatch service:

  • Your Wells Fargo Reflect Card account will be charged a minimum of $69.95 per incident.
  • You will be required to pay for service provided over five miles.
  • Towing and other emergency roadside services may not be available in all areas.

My Wells Fargo Deals

You can access personalized shopping at a variety of merchants using the My Wells Fargo Deals program. You won’t earn traditional cash back, but you will receive a statement credit when you shop, dine or make other eligible purchases using your Wells Fargo Reflect Card.

Here’s some important information to know before using your new Reflect card toward any My Wells Fargo Deals purchase:

  • To receive My Wells Fargo Deals, you must make at least one purchase using your Wells Fargo Reflect Card at a participating merchant in the last three months.
  • To redeem the Deals, you first have to activate them and use your Wells Fargo Reflect card to receive the benefits.
  • Deals cannot be combined with any other purchases made with a store credit, gift card or other types of payment.

Zero Liability Protection

The Wells Fargo Reflect Card provides built-in protection, so you’re not held responsible for any unauthorized transactions made on your account. You must report any suspicious activity promptly, though, per the credit card’s terms. 

What Makes the Wells Fargo Reflect Card Stand Out?

Besides cell phone protection, Roadside Dispatch, My Wells Fargo Deals and zero liability protection, the Wells Fargo Reflect Card has one exceptional perk: the up to 21-month 0% APR from account opening 

The card’s standard 18-month introductory 0% APR (then ) is the lowest in Wells Fargo’s history. Qualifying purchases and balance transfers are also eligible as soon as you open an account. Making your minimum monthly payment — at the very least — on time during the 18-month introductory period qualifies your account for a three-month extension — for a total of 21 months of interest-free savings.

Good To Know

If you’re not a Wells Fargo customer and are thinking about getting a new credit card, you can fill out a form on the bank’s website to be pre-selected for a credit card offer. Existing customers can skip the form and sign in to see if they pre-qualify. It only takes about a minute to apply for a credit card that meets your needs, and applying won’t have any impact on your credit score.

If you receive a Wells Fargo credit card offer in the mail and choose to apply, simply enter the reservation number online at the website provided to open your new credit card account.

Reflect vs. Other Wells Fargo Card Options

While the Wells Fargo Reflect Card offers an outstanding introductory APR, the other two cards in the bank’s portfolio have good benefits, too. Here are some things to consider when trying to decide between them:
 

Wells Fargo Credit Card Best For
Wells Fargo Reflect Card Extended introductory 0% APR
Wells Fargo Active Cash Card Unlimited 2% cash rewards
Hotels.com Rewards Visa Credit Card Collect stamps for hotel stays

Final Take

The Wells Fargo Reflect Card’s extended 0% introductory APR makes it a good choice if you’re planning to make purchases or balance transfers. Most competing cards have a true cash back program, though, making the Wells Fargo Reflect Card an average option.

Wells Fargo Reflect Card FAQ

Here are the answers to some commonly asked questions about the Wells Fargo Reflect Card.
  • Does the Wells Fargo Reflect Card have an annual fee?
    • No. There is no annual fee, but other transaction and penalty fees apply.
  • Does the Wells Fargo Reflect Card have a foreign transaction fee?
  • Is there a no-interest period with the Wells Fargo Reflect Card?
    • Yes, but you must pay your entire outstanding balance on purchases, balance transfers, and balance transfer fees by the due date of your billing cycle to avoid paying interest on purchases -- unless your purchases are made within the promotional 0% APR period.

Rates, offers and requirements are subject to change. 

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Wells Fargo.

Share This Article:

About the Author

Kathy Evans is a personal finance freelance writer and entrepreneur with a technical writing and instructional systems design background. She holds an MS in technical writing and informational design and is currently a doctoral student in instructional technology at Towson University. Through work experience in the federal government as well as commercial and nonprofit industries, she has focused her freelance writing on finance, investing and economic content with a specialization in budget coaching.  
Learn More