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Is the Wells Fargo Reflect Card worth it?

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The Wells Fargo Reflect® Card has only been around since October 2021, but it’s already considered one of the best balance transfer cards on the market today. This is mainly due to the sheer length of its introductory APR offer, as well as the fact that the card comes with no annual fee.

Not only is the initial 0 percent APR on this card fantastic, but the Wells Fargo Reflect® Card lets cardholders earn several more months of interest-free payments. This makes the card both unique and intriguing to applicants who may have considerable debt to consolidate and pay down.

“Our new Reflect® Card rewards cardholders for good financial habits, extending the introductory APR for up to three additional months when payments are made on time, a compelling differentiator we believe consumers deserve,” said Krista Phillips, head of branded cards and marketing for Wells Fargo Credit Cards, in a press release.

If you’re wondering how the Wells Fargo Reflect® works and whether it’s worth it, read on to learn more about it and what to consider before you apply.

When is the Wells Fargo Reflect® Card worth it?

The Wells Fargo Reflect® Card does not charge an annual fee, yet it lets cardholders enjoy 18 months at a 0 percent intro APR—on purchases and balance transfers—right off the bat. However, cardholders can qualify for a total of 21 months with zero interest if they make on-time payments during the introductory period and extension period. Note that the introductory offer is followed by a variable APR of 15.24 percent to 27.24 percent either way.

Since it’s easy to get three more months with no interest with on-time payments, this card boasts one of the best—if not the best—balance transfer offers on the market today. When you look at the best balance transfer cards from other issuers, you won’t find any offers that extend this rate to both purchases and balance transfers for such a long amount of time.

With this in mind, this card is absolutely worth it if you want to secure a 0 percent APR for as long as you possibly can. It’s also worth noting that the card comes with a 3 percent balance transfer fee (minimum $5) for balances transferred to Wells Fargo in the first 120 days, which is fairly standard. After that, the fee jumps to 5 percent.

As a bonus, the Wells Fargo Reflect® Card also comes with cell phone insurance worth up to $600 (subject to a deductible of $25).

When is the Wells Fargo Reflect® Card not worth it?

First off, you should know that some cash back credit cards offer 0 percent APRs for a shorter timeline as well as rewards on everything you buy. The Wells Fargo Active Cash® Card is a good example since it offers a 0 percent intro APR on purchases and balance transfers for 15 months (followed by a variable APR of 17.24 percent, 22.24 percent or 27.24 percent), with no annual fee required. Cardholders who choose this Wells Fargo credit card can also earn a $200 cash rewards bonus after spending $1,000 in purchases within the first three months, as well as 2 percent cash back on everything they buy.

Further, be aware that the Wells Fargo Reflect® Card charges a 3 percent foreign transaction fee for purchases made outside of the United States. That makes this card a poor option for people who travel internationally (or plan to).

Should you get the Wells Fargo Reflect® Card?

If you are focused on finding the card with the longest 0 percent APR offer you can, the Wells Fargo Reflect® Card simply cannot be beaten. By making on-time payments on your card without exception, you can enjoy an interest-free card experience for 21 months.

If you want rewards or a credit card with no foreign transaction fees, on the other hand, you should look at other card options to see how they compare.

The bottom line

Before you decide to move forward with the Wells Fargo Reflect Card, you should read our Wells Fargo Reflect® Card review and Wells Fargo Reflect benefits guide. These two resources can help you learn all the ins and outs of this balance transfer credit card, as well as the perks you can access once you’re approved.

In the meantime, it makes sense to look at other 0 percent APR credit cards on the market today. By comparing all your options and weighing each one’s pros and cons, you can settle on the card that best suits your needs.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
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Part of  Introduction to the Wells Fargo Reflect Credit Card