Balance transfer fee: 5% or $5 min (3% in first 4 months on transfers)
Annual fee: $0 (No annual fee)
Regular APR: 17.74–29.74% (Variable, after intro)
Who Wells Fargo Reflect Card is best for
Borrowers consolidating $3K-$15K who can pay it off within 21 months at their max affordable payment.
Pros
Among the longest 0% intro APR balance transfer windows in the entire credit-card market
0% intro APR also applies to purchases (rare combination at this length)
No annual fee
Initial balance transfer fee discount (3% in first 4 months instead of standard 5%)
Cons
No rewards program (this card is purely balance-transfer optimized)
Balance transfers must be requested within first 4 months
Standard balance transfer fee jumps to 5% after the initial 4-month window
Wells Fargo Reflect Card requirements
680+ FICO typical
No active Wells Fargo card with same intro offer
Cannot transfer balance from a Wells Fargo account
Wells Fargo Reflect Card alternatives
SoFi Personal Loan (Debt Consolidation)(SoFi Bank, N.A.) — Good-to-excellent credit borrowers consolidating $5K-$100K in credit card debt with no fees. Read reviewGet started at SoFi Bank, N.A. →
Wells Fargo Reflect Card — Longest 0% intro APR balance transfer offer in market — 21 months interest-free. Best for: Borrowers consolidating $3K-$15K who can pay it off within 21 months at their max affordable payment.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Questions about Wells Fargo Reflect Card
How long is the 0% intro APR on the Wells Fargo Reflect Card?
The Wells Fargo Reflect Card offers 0% intro APR for 21 months on both purchases and balance transfers — as stated in the card's current terms. This is among the longest 0% intro APR windows available on any balance transfer card. After the intro period, the variable regular APR applies (17.74–29.74% as listed in the card metrics).
What is the balance transfer fee on the Wells Fargo Reflect Card?
Balance transfers completed within the first 4 months carry a 3% fee (or $5 minimum). After that initial window, the standard balance transfer fee of 5% (or $5 minimum) applies — as stated in the card terms. Timing your balance transfer within the first 4 months saves 2 percentage points on the transfer fee.
Can I transfer a balance from another Wells Fargo account to the Wells Fargo Reflect Card?
No. You cannot transfer a balance from an existing Wells Fargo credit account to a Wells Fargo Reflect Card. Balance transfers must come from accounts held at other institutions.
Does the Wells Fargo Reflect Card have an annual fee?
No. The Wells Fargo Reflect Card has no annual fee — as stated in the card's metrics. The card is designed purely as a balance-transfer and 0% intro APR vehicle, with no rewards program and no annual fee.
How we rate
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