Wells Fargo Reflect Card Review: Consolidate Debt and Enjoy Cell Phone Protection

Editor's note: This post is updated regularly with the latest information and offers.

Overview of the Wells Fargo Reflect Card

The Wells Fargo Reflect® Card (see rates and fees) is ideal for those aiming to refinance their debt with a robust introductory balance transfer option. While it may lack extensive benefits, this card focuses on the essentials and includes cellphone protection when you use it to pay your monthly bill. Card rating*: ⭐⭐⭐

*Card rating reflects the views of TPG's editors and is not influenced by the card issuer.

If debt reduction is high on your priority list, a credit card like the Wells Fargo Reflect Card can help you avoid interest charges on outstanding balances during this period.

With no annual fee, you can transfer your existing balances to the Wells Fargo Reflect and enjoy a 0% introductory annual percentage rate (APR) for 21 months from account opening on purchases and eligible balance transfers (after that, a variable APR of 17.74%, 24.24%, or 29.49% applies). Applicants are generally recommended to have a credit score of 670 or above.

Let’s dive into all the specifics and determine if this card suits your needs.

Pros and Cons of the Wells Fargo Reflect

Welcome Offer for Wells Fargo Reflect

Sadly, the Wells Fargo Reflect card does not currently come with a welcome bonus for new applicants.

Benefits of the Wells Fargo Reflect Card

The standout advantage of this card is the introductory APR offer. If you're planning a significant purchase and need to finance it over 21 months, you'll benefit from zero interest fees during this period — one of the longest offers available.

If you have existing debt, you can benefit from a 0% introductory APR on eligible balance transfers made within the first 120 days (after which a variable APR of 17.74%, 24.24%, or 29.49% will apply). Keep in mind there is a 5% fee on balance transfers (minimum $5).

While this card doesn't allow you to earn points, miles, or cash back, you can receive up to $600 in cellphone protection against theft or damage when you use the card to pay your monthly cellphone bill (with a $25 deductible). Monthly cellphone insurance can be costly, so this coverage is a great benefit that comes with no annual fee.

Understanding Rewards on the Wells Fargo Reflect

The Wells Fargo Reflect card does not offer a rewards program; there are no points or cash back options available with this credit card.

What cards rival the Wells Fargo Reflect?

Numerous issuers have launched their own debt refinancing credit cards, providing plenty of alternatives to the Wells Fargo Reflect.

• If you lean towards Citi: The Citi® Diamond Preferred® Card (see rates and fees) offers cardholders a 0% introductory APR for new purchases for the first 12 months and a 0% introductory APR for 21 months on balance transfers made within the first four months of account opening. Be aware that a balance transfer fee applies, either $5 or 5% of the transfer amount, whichever is higher. After the introductory period, a variable APR of 17.74%-28.49% is applicable based on creditworthiness. For further details, check our complete review of the Citi Diamond Preferred.
• If you prefer Chase: The Chase Slate Edge℠ provides a 0% APR for 18 months on both purchases and balance transfers. After the introductory period, a variable interest rate of 19.99%-28.74% will apply. Cardholders can lower their interest rate by 2% each year by making timely payments and spending at least $1,000 annually. For more information, refer to our full review of the Chase Slate Edge.
• If you want rewards with Citi: The Citi Rewards+® Card (see rates and fees) earns 5 ThankYou points per dollar spent on hotel, car rentals, and attractions booked through CitiTravel.com until December 31, 2025, in addition to 2 points per dollar at supermarkets and gas stations on the first $6,000 spent annually. New cardholders also benefit from a 0% introductory APR for 15 months on purchases and balance transfers; after that, a variable APR of 18.24%-28.24% will apply. For more details, check our full review of the Citi Rewards+ Card.

The information regarding the Chase Slate Edge has been independently compiled by Dinogo. The card details on this page have not been reviewed or provided by the card issuer.

For more options, explore our complete list of the best balance transfer credit cards and 0% APR credit cards.

Is the Wells Fargo Reflect a good choice?

Ultimately, it depends on your needs. If your primary focus is on avoiding APR and reducing existing debt, rather than earning rewards, this card may suit you. However, if you're interested in accumulating rewards, you might want to consider another option.

Final thoughts

The Wells Fargo Reflect doesn't stack up against leading rewards cards like The Platinum Card® from American Express or the Chase Sapphire Reserve®. Instead, it’s tailored for individuals who require a financing (or refinancing) solution before they start earning credit card points and miles. By making consistent, timely payments, you can boost your credit score and position yourself for these travel rewards credit cards in the future.