Wells Fargo
Balance transfer

Wells Fargo Reflect

Wells Fargo · Visa

Best for

The longest 0% window on both purchases and transfers, with no rewards.

Apply on Wells Fargo Compare cards
Annual fee
None
FX fee
N/A
Purchase APR
17.49%
Income req.
N/A
Recommended credit score
690+
Approval difficulty
Moderate approval

Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Perks

  • 0% intro APR for 21 months from account opening on purchases
  • 0% intro APR for 21 months from account opening on qualifying balance transfers
  • Published as discrete APR tiers rather than a range: 17.49%, 23.99%, 28.24%
  • Good to excellent credit, roughly 690 and above

Frequently asked questions

Is the Wells Fargo Reflect worth it?

It has no annual fee. It's best suited to the longest 0% window on both purchases and transfers, with no rewards. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.

What credit score do you need for the Wells Fargo Reflect?

We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. Vault Nerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
Vault Nerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“Wells Fargo Reflect Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/wells-fargo-reflect, updated August 2026.

Sources
  • Wells Fargo published product page and cardholder agreement