Independent comparisons. No active credit card affiliate partnerships. Numbers checked 2026-09-10. How we make money · Data status
Wells Fargo Reflect Card
Published by CreditMango · Mike Kwak · Editorial policy
Best Balance Transfer Card
+ Pros
- ✓21-month purchase and transfer intro APR
- ✓No annual fee
- ✓Eligible cell phone protection
− Cons
- ✗No general rewards program
- ✗5% balance transfer fee ($5 minimum)
- ✗3% foreign currency conversion fee
Perks & Credits
Both promotions start at account opening. Qualifying transfers must be requested within 120 days.
Pay the total monthly phone bill with this card. $25 deductible; two paid claims per 12 months. Coverage exclusions apply.
Activate qualifying merchant offers before spending.
- Problem with a purchase shown on your statement1,345
- Other features, terms, or problems494
- Getting a credit card430
Source: CFPB Consumer Complaint Database, checked 2026-10-12. These counts cover the issuer, not this specific card, and are not adjusted for customer count. Complaints are not necessarily evidence of wrongdoing.
Wells Fargo Reflect can help finance a planned payoff, but the deadline matters: the current public offer gives 21 months from account opening, with no advertised three-month extension. Its $0 annual fee does not eliminate transfer fees or interest after the promotion.
Build the payment plan first
The current transfer fee is 5%, minimum $5. A $5,000 transfer therefore starts at $5,250. Dividing that by 21 gives $250 per month, assuming the full period remains and there are no new charges. A later transfer leaves fewer months before expiration, so use your actual remaining time. Minimum payments may not clear the debt on schedule.
Request qualifying transfers within 120 days. Transfers depend on approval and available credit, including fees; Wells Fargo and affiliate balances are ineligible. Continue paying the original lender until the transfer posts.
What happens after the promotion
The ongoing variable APR is currently 17.49%, 23.99% or 28.24%, depending on creditworthiness. Purchases also receive the 21-month introductory rate. Avoid adding spending that makes your payoff target unaffordable.
There is no general spending rewards program. Eligible activated merchant deals and conditional phone protection are secondary benefits, not reasons to carry debt. The 3% currency conversion fee also makes foreign-currency purchases more expensive.
Check the issuer's current offer and its linked Important Credit Terms before applying; account-specific and channel offers can differ.
Who This Card Is For
- →People with a repayment plan that clears their balance and transfer fee before the 21-month promotion ends.
Who Should Skip This Card
- →Rewards seekers.
- →People whose repayment budget depends on an extension beyond 21 months.
- →People transferring debt from Wells Fargo or its affiliates; those transfers are ineligible.
How It Compares
| Card | Annual Fee | Best Rate |
|---|---|---|
| Wells Fargo Reflect Card (this card) | $0 | 0% |
| Citi Double Cash CardBest No-Fee Cashback Card | $0 | 2% |
| Citi Simplicity CardBest Balance Transfer (No Late Fees) | $0 | 0% |
Frequently Asked Questions
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Last updated: 2026-09-10