Wells Fargo Reflect® Card

To successfully apply for the Wells Fargo Reflect Card, applicants generally need a good to excellent credit score, typically ranging from 670 to 850. The bank will heavily scrutinize your credit history, debt-to-income ratio, and recent inquiries before approval. Having a solid history of on-time payments will significantly boost your chances of getting accepted.

Yes, while the card offers an incredibly long 0% introductory APR, balance transfers are subject to a standard fee, usually around 3% to 5% of the total transfer amount. You must also complete the transfer within the first 120 days of opening the account to qualify for the introductory 0% rate. This fee is fairly standard in the credit card industry for balance transfer cards.

Unlike the Wells Fargo Active Cash card, the Reflect Card does not feature a permanent cashback or travel rewards program. Its sole focus is on debt consolidation and providing the longest possible interest-free window to pay down balances. It does offer a few cell phone protection benefits, but you won't earn points on your everyday grocery or gas purchases.

The Wells Fargo Reflect Card boasts one of the longest 0% introductory APR periods on the market, offering up to 21 months on purchases and qualifying balance transfers. If you make all your payments on time during the first year, Wells Fargo extends the 0% window by an additional three months. After the intro period ends, the standard variable APR applies to any remaining balance.