Wells Fargo Reflect® Card
This card is for someone paying down a balance or spreading out a large purchase. It gives 0% intro APR for 21 months from account opening on purchases and on balance transfers made within 120 days, with no annual fee. It also includes up to $600 of cell phone protection against damage or theft, subject to a $25 deductible. The caveat: it earns no rewards, and each balance transfer costs 5% (minimum $5).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 21 months at 0% intro APR on purchases and qualifying balance transfers
- Cell phone protection up to $600, $25 deductible
- Credit Close-Up for FICO Score monitoring
- My Wells Fargo Deals personalized cash back offers
- Zero Liability Protection for unauthorized transactions
- Annual fee: $0
- Regular purchase APR: 17.49%, 23.99%, or 28.24% Variable
- Intro purchase APR: 0% for 21 months from account opening
- Intro balance transfer APR: 0% for 21 months from account opening on balance transfers made within 120 days
- Balance transfer fee: 5% for each balance transfer, with a minimum of $5
- Cash advance APR: 29.49% Variable
- Cash advance fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late payment fee: Up to $40
- Foreign transaction fee: 3% of each transaction converted to U.S. dollars
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You carry a balance and want 21 months at 0% to pay it down.
- You plan a large purchase and want to spread payments with no interest during the intro period.
- You do not need rewards and want no annual fee.
- You should skip it if you pay in full every month: with no rewards, a cash back card gives you more.
Score guess
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Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
79 results: 79 approved, 0 denied. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Experian | $100k to $150k | CA | Sep 2026 |
| Approved | 670 to 739 | Experian | Under $25k | NY | Sep 2026 |
| Approved | 800 and above | Experian | $150k and above | NJ | Dec 2025 |
See all 79 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
