0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 28.24% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate. Offers may differ from time to time and depend on the marketing channel. You must select Apply now to take advantage of the offer(s). Enjoy our lowest intro APR Lowest intro APR for 21 months from account opening on purchases and qualifying balance transfers Reflect credit card benefits and features Cellular Telephone Protection Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible. 1 Roadside Dispatch® Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869. 2 My Wells Fargo Deals Through My Wells Fargo Deals, you can have access to personalized deals from a variety of merchants. Activate your deals, then shop, dine, or enjoy an experience using an eligible Wells Fargo credit card. It’s an easy way to earn cash back as an account credit. 3 Zero Liability Protection Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly. 4 Credit Close-Up® With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online® customers and using it won’t negatively affect your score. 5 For additional information, visit wellsfargo.com/ficoscore Reflect® Card Awards 2026 Best in Balance Transfer Credit Cards 2026 Best 0% Intro APR Credit Card 2026 Best Low Interest Credit Card 2026 Best 0% Intro APR and Balance Transfer Card Reflect Credit Card FAQs + How do I make a balance transfer request on the Wells Fargo Reflect® Card? You can request a balance transfer when you submit a credit card application, which will be subject to approval. If you already have the Wells Fargo Reflect Card, you can request a balance transfer by signing on to Wells Fargo Online . Then select Request Balance Transfer under Account Management to review available offers. You may also call 1-800-642-4720. To learn more, please visit Wells Fargo Balance Transfers . + How do I make a balance transfer request on the Wells Fargo Reflect® Card? You can request a balance transfer when you submit a credit card application, which will be subject to approval. If you already have the Wells Fargo Reflect Card, you can request a balance transfer by signing on to Wells Fargo Online . Then select Request Balance Transfer under Account Management to review available offers. You may also call 1-800-642-4720. To learn more, please visit Wells Fargo Balance Transfers . + Is there a balance transfer limit on the Wells Fargo Reflect Card? If you are approved for a balance transfer, the amount will be issued up to your available credit limit and will include any balance transfer fees. If you have multiple balance transfer requests, then the largest balance transfer request will be processed first. + Is there a balance transfer limit on the Wells Fargo Reflect Card? If you are approved for a balance transfer, the amount will be issued up to your available credit limit and will include any balance transfer fees. If you have multiple balance transfer requests, then the largest balance transfer request will be processed first. + Is there a balance transfer fee associated with the Wells Fargo Reflect Credit Card? Yes, typically there is a balance transfer fee associated with the Wells Fargo Reflect Card. Please refer to the Important Credit Terms for the most current rate and fee information. + Is there a balance transfer fee associated with the Wells Fargo Reflect Credit Card? Yes, typically there is a balance transfer fee associated with the Wells Fargo Reflect Card. Please refer to the Important Credit Terms for the most current rate and fee information. + How long will a balance transfer request take to post to my Wells Fargo account? It can take up to 14 days to post a balance transfer to your Wells Fargo Reflect Credit Card account.

+ How long will a balance transfer request take to post to my Wells Fargo account? It can take up to 14 days to post a balance transfer to your Wells Fargo Reflect Credit Card account. Additional Reflect Credit Card FAQs + Is there a period with no interest charged on purchases and balance transfers with the Wells Fargo Reflect Card? To avoid paying interest on purchases, you must pay your entire outstanding balance, including the amount of any balance transfer and balance transfer fee, by the due date of the billing cycle in which the transactions occur. Any remaining balance you do not pay by your due date will incur interest as described in the Important Credit Terms , unless your purchases are subject to a limited-time introductory or promotional 0% APR. There is no grace period on balance transfers. Interest will begin to accrue on the day the balance transfer posts to your account. + Does the Wells Fargo Reflect Credit Card have a foreign transaction fee? There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information. + Is there an annual fee on the Wells Fargo Reflect Credit Card? The Wells Fargo Reflect Card has no annual fee. Please refer to the Important Credit Terms for details on other fees and current rate information. + Has the Wells Fargo Reflect Card won any awards? The Reflect Card has been awarded accolades by U.S. News, Fool Money, a Motley Fool Service, CompareCredit, and Finance Buzz including Best in Balance Transfer Credit Cards, Best 0% Intro APR Credit Card, Best Low Interest Credit Card, and Best 0% Intro APR and Balance Transfer Credit Card. Additional Reflect Credit Card FAQs + Is there a period with no interest charged on purchases and balance transfers with the Wells Fargo Reflect Card? To avoid paying interest on purchases, you must pay your entire outstanding balance, including the amount of any balance transfer and balance transfer fee, by the due date of the billing cycle in which the transactions occur. Any remaining balance you do not pay by your due date will incur interest as described in the Important Credit Terms , unless your purchases are subject to a limited-time introductory or promotional 0% APR. There is no grace period on balance transfers. Interest will begin to accrue on the day the balance transfer posts to your account. + Is there a period with no interest charged on purchases and balance transfers with the Wells Fargo Reflect Card? To avoid paying interest on purchases, you must pay your entire outstanding balance, including the amount of any balance transfer and balance transfer fee, by the due date of the billing cycle in which the transactions occur. Any remaining balance you do not pay by your due date will incur interest as described in the Important Credit Terms , unless your purchases are subject to a limited-time introductory or promotional 0% APR. There is no grace period on balance transfers. Interest will begin to accrue on the day the balance transfer posts to your account. + Does the Wells Fargo Reflect Credit Card have a foreign transaction fee? There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information. + Does the Wells Fargo Reflect Credit Card have a foreign transaction fee? There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information. + Is there an annual fee on the Wells Fargo Reflect Credit Card? The Wells Fargo Reflect Card has no annual fee. Please refer to the Important Credit Terms for details on other fees and current rate information. + Is there an annual fee on the Wells Fargo Reflect Credit Card? The Wells Fargo Reflect Card has no annual fee. Please refer to the Important Credit Terms for details on other fees and current rate information. + Has the Wells Fargo Reflect Card won any awards? The Reflect Card has been awarded accolades by U.S. News, Fool Money, a Motley Fool Service, CompareCredit, and Finance Buzz including Best in Balance Transfer Credit Cards, Best 0% Intro APR Credit Card, Best Low Interest Credit Card, and Best 0% Intro APR and Balance Transfer Credit Card. + Has the Wells Fargo Reflect Card won any awards? The Reflect Card has been awarded accolades by U.S. News, Fool Money, a Motley Fool Service, CompareCredit, and Finance Buzz including Best in Balance Transfer Credit Cards, Best 0% Intro APR Credit Card, Best Low Interest Credit Card, and Best 0% Intro APR and Balance Transfer Credit Card. Wells Fargo Reflect® Card 0% intro APR for 21 months on purchases and qualifying balance transfers Wells Fargo Reflect® Card Important Credit Terms Other things you need to know Offers may differ from time to time and depend on the marketing channel. You must select Apply now to take advantage of the offer(s). Refer to the Wells Fargo Reflect Visa℠ Credit Card Account Agreement and the Wells Fargo Reflect Visa® Card Guide to Benefits to learn more. This offer is not a guarantee of credit. Credit card is subject to credit qualification. You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 4 months. You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance. 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