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The Wells Fargo Reflect® Card is a new balance transfer credit card with an introductory rate of up to 21 months. You also won’t pay an annual fee and can enjoy other benefits like complimentary cell phone insurance. Here is a closer look at the Reflect Card benefits.

Wells Fargo Reflect Card Review

The Wells Fargo Reflect® Card is best for people who want an interest-free balance transfer offer. You also get a discounted balance transfer charge on transfers within the first 120 days of account opening.

It is a Visa Platinum product and will have near-universal acceptance across the United States and the world. This card replaces the Wells Fargo Platinum Card that previously offered one of the best balance transfer offers.

Unfortunately, this card has a 3% foreign transaction fee and doesn’t earn rewards points on purchases. Therefore, it’s best to only use this card for its 0% introductory rate.

Learn more: Balance Transfer Credit Cards

Who Qualifies for Wells Fargo Signup Bonuses?

You can qualify for this bonus if you haven’t received another Wells Fargo credit card signup bonus in the last 15 months.

Wells Fargo can have stricter signup bonus restrictions than other credit cards. This limitation is something to keep in mind if this is the second Wells Fargo credit card you’re applying for in the most recent 15 months, even if that card is no longer active.

Minimum Credit Limit

The minimum credit limit will be $1,000 if Wells Fargo approves your application.

Learn more: Balance Transfer Credit Cards

No Annual Fee

Another great benefit of this card is being a no-annual-fee credit card. This benefit helps you rebuild your credit history at no additional cost.

As this card doesn’t earn purchase rewards, it’s not the best long-term solution. But the short-term perks can be worth it to improve your finances.

Cell Phone Protection

You can get up to $600 in annual cell phone protection benefits when you pay your monthly cell phone bill with the Wells Fargo Reflect® Card.

It’s possible to file up to two claims per year. Each claim is subject to a $25 deductible when you have qualifying theft and damage reasons. Accidental losses without an explanation are ineligible claims.

Related: Best Credit Cards with Cell Phone Protection

Roadside Dispatch

Wells Fargo can dispatch roadside assistance and towing services for most passenger vehicles. Unfortunately, there is a minimum $69.95 service fee.

Related: Best Credit Cards with Roadside Assistance

My Wells Fargo Deals

You can enjoy special discounts at participating local and online stores and restaurants with the My Wells Fargo Deals program. After activating a shopping offer and making a qualifying purchase, you receive a cash statement credit.

This benefit can at least help you indirectly earn purchase rewards on select purchases.

Card Fees

Here is a breakdown of the fees you might encounter with this card:

  • Annual fee: $0
  • Foreign transaction fee: 3%

Learn more: Balance Transfer Credit Cards

Other Credit Cards to Consider

Here are some of the other cards you might consider if you want a different Wells Fargo rewards card or need a different balance transfer offer.

Wells Fargo Active Cash Card

The Wells Fargo Active Cash® Card is a cash back credit card that earns 2% back on all purchases, has a $1 redemption minimum, and doesn’t have an annual fee.

Also, consider this card if you want to future-proof your credit card portfolio with a product that can earn rewards on purchases and is worth holding for several years to build your credit history.

Citi Simplicity Card

The information for the Citi Simplicity® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The Citi Simplicity® Card has a Citi Flex Plan offer made available at Citi’s discretion.

Also, there is a 0% Intro APR for 21 months on balance transfers from the date of the first transfer and 0% Intro APR for 12 months on purchases from the date of account opening. After that, the variable APR will be 18.99% – 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balance transfers completed within 4 months of account opening.

Related: Best Citi Credit Cards


The Wells Fargo Reflect® Card is the second of the bank’s new credit cards launching in 2021 and 2022. This card offers one of the longest balance transfers available today. It can be worth it, so you have as much time as possible to get out of debt interest-free.

Learn more: Balance Transfer Credit Cards

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