Wells Fargo Reflect Card: Your credit transfer card

The Wells Fargo Reflect Card is one of the best cards with balance transfer benefits.


This card offers longer APR intro periods for eligible purchases and balance transfers, plus protection against cell phone theft or damage.

Wells Fargo Reflect Card
Advantages and Benefits

About the Wells Fargo Reflect Card

This card was designed with the aim of serving people looking for a credit card for balance transfer.

As such, the Wells Fargo Reflect Card offers one of the longest introductory APR periods, making it one of the best on the market.

However, the card does not have any rewards program, which can be a hindrance for those looking for this option on a credit card.

But to help you get a better idea about the services offered by the card, we will list them below.

Services provided by the Wells Fargo Reflect Card

  • 0% introductory APR

The card offers a 0% introductory APR for 21 months from account opening for balance transfers and purchases.


After this period 18.24% or 29.99% variable.

  • Rates and fees

Although there is no annual fee, there are fees for some services, such as 3% for foreign currency conversion, 5% for balance transfer and late payment fee.

  • Extra services

Although it does not have a rewards program, the card offers some services such as cell phone protection, travel benefits and exclusive offers offered by Wells Fargo.

Wells Fargo Reflect Card Advantages and Benefits

Wells Fargo Reflect Card Pros and Cons

Like any credit card, there are pros and cons that need to be evaluated.

Because through this comparison your choice can become clearer and you can avoid future surprises.

Therefore, check out the pros and cons of the Wells Fargo Reflect Card:


  • There is no annual fee, which is a great attraction for those who don’t want to worry about additional expenses;
  • The ongoing APR may be significantly lower compared to other cards offered on the market;
  • Your APR period is quite long for a balance transfer credit card, which gives you more time to pay off your debts.


  • The card does not offer a sign-up bonus or rewards program;
  • Has limited long-term value;
  • Although its APR period is long compared to other options, its balance transfer fee is higher.

So, after analyzing the pros and cons, it probably became a little easier for you to decide whether this is the ideal card for you, right?


Who was this card designed for?

This card is ideal for you if you want to transfer a qualifying balance from a high-interest card to a place where it will reduce your overall debt.

Therefore, with the Wells Fargo Reflect Card it is possible to minimize interest charges on your transferred balance.

Although its transfer fee may be high, the fact that it offers a longer APR may be the solution to paying off your debts.

That’s why it’s important to evaluate all the advantages and benefits that the card offers and find out why it’s ideal for you.


The Wells Fargo Reflect Card is among the best balance transfer cards on the market.

Although it is a card that may have slightly higher rates, the fact that it offers a longer APR and has no annual fee makes it an attractive option.

Therefore, be sure to check out the advantages and benefits offered by the card and its entire application process.