Is Wells Fargo Reflect® Card worth it?

If you need time to pay off a balance or just want a little breathing room, the Wells Fargo Reflect® Card offers one of the longest low-interest APR cards out there. It doesn’t come with flashy rewards, but it’s a solid pick if you want to pay off debt without getting hit with interest.

What credit score do I need to get Wells Fargo Reflect® Card?

The recommended credit score for Wells Fargo Reflect® Card is .

Wells Fargo Reflect® Card

Lowest intro APR for 21 months Bonus Points

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74% or 28.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Rewards Rate

N/A

Annual Fee

Rates & Fees|Terms Apply

Our Mission

At Daily Drop, our mission is simple: to help you explore the world affordably and experience life-changing travel by maximizing miles and points. Our team of travel and credit card experts is here to help you make decisions about which cards belong in your wallet. Based on your travel goals, we offer unbiased advice to help you make the best choices. Keep in mind that our suggestions require responsible credit card use.

Rating Methodology

Here at Daily Drop, we score credit cards using a proprietary formula based on dozens of metrics across six key categories: annual fee, welcome offer, rewards rates, redemption value, benefits & perks, and travel protections. Higher scores indicate better overall value.

We net the annual fee against statement credits you'll likely use and focus on a welcome offer's true return on spending (ROI) rather than just the headline number. We value rewards by their actual worth in cents per point, which is why flexible, transferable points typically score highest. APR is not a standalone scoring category because we recommend paying in full to maximize points and miles, but an intro 0% APR counts as a perk.

Our reviews are editorial and experience-driven. Our team has earned and redeemed millions of miles and points and tested these cards around the world. After all, we would not be Daily Drop if we were not practicing what we preach.

Read our full methodology for more information.

Rewards Summary

This card does not earn rewards.

Additional Benefits

Cell phone protection (Up to $600 coverage against damage or theft when you pay your monthly cell phone bill with the card, subject to a $25 deductible)
Access to deals from several merchants, with cash back as a statement credit
Zero Liability Protection

Our Experts

Written by: McKay Moffitt

Writer

Updated:Jul 3, 2026

Editorial disclaimer: opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Information was last updated Jul 3, 2026.