Wells Fargo Reflect APR details

Last reviewed: September 2026. APRs, fees and promotional offers may change. Always verify the issuer's current credit terms before applying or making a financial decision.

The Wells Fargo Reflect® Card is structured around an extended introductory APR offer rather than cash back or travel rewards.

Understanding exactly how the introductory APR, standard APR and balance transfer fee work is important when evaluating whether the card aligns with a particular repayment plan.

Current Wells Fargo Reflect APR

As of September 2026, Wells Fargo offers a 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers.

After the introductory period ends, Wells Fargo currently lists a variable APR of 17.74%, 24.24% or 28.49%. The rate assigned depends on creditworthiness and can vary with changes in the U.S. Prime Rate.

This means consumers should consider both the introductory rate and the potential standard APR that will apply to any eligible balance remaining after the promotional period.

The 21-month period is the current offer

Earlier versions of the Reflect Card were promoted with an initial introductory period that could be extended by meeting certain payment requirements.

That is not how the current Wells Fargo offer is structured. The current published offer provides 0% introductory APR for 21 months from account opening without requiring an extension from an initial 18-month period.

APR on qualifying balance transfers

Qualifying balance transfers can also receive the current 0% introductory APR for 21 months from account opening.

To qualify for the introductory rate, Wells Fargo currently requires the balance transfer request to be made within 120 days from account opening.

A balance transfer fee of 5% of each transferred amount applies, with a minimum fee of $5.

For example, a $5,000 qualifying transfer would currently result in a $250 balance transfer fee. That cost should be included when comparing the potential interest savings of a transfer.

Not every balance can be transferred

Wells Fargo currently does not permit balances from another Wells Fargo account or an account issued by one of its affiliates to be transferred to the Reflect Card.

The total transfer amount, including fees, also cannot exceed the available credit approved for the account.

Wells Fargo states that processing a balance transfer can take approximately two weeks, so consumers should continue making required payments to the existing creditor until the transfer has been completed.

What happens after 21 months?

Once the introductory APR period ends, any remaining eligible purchase or balance transfer balance becomes subject to the account's applicable variable APR.

As of this review, the possible purchase and balance transfer APRs are 17.74%, 24.24% or 28.49%, depending on creditworthiness.

Because these rates are variable, they may increase or decrease when the U.S. Prime Rate changes.

Planning payments during the introductory period

A 0% introductory APR can reduce interest costs, but it does not reduce the amount originally borrowed or eliminate monthly payment requirements.

Consumers can estimate a repayment target by dividing the balance, including applicable balance transfer fees, by the number of months remaining in the promotional period.

For example, paying off a $5,250 balance over 21 months would require an average of approximately $250 per month, assuming no additional purchases or fees.

This is an illustration rather than a required payment calculation. Actual minimum payments are determined according to the cardholder agreement and monthly statement.

Annual fee and foreign transaction fee

The Wells Fargo Reflect Card currently has a $0 annual fee.

It does, however, charge a 3% foreign transaction fee on each transaction converted to U.S. dollars.

Consumers planning to use the card frequently outside the United States may want to include that cost when comparing Reflect with other credit cards.

Does Reflect earn rewards?

The Wells Fargo Reflect Card is not currently structured as a traditional cash-back, points or travel rewards card.

Its primary feature is the extended introductory APR. Eligible cardholders can separately receive My Wells Fargo Deals, which may provide cash back as an account credit on qualifying merchant offers after activation.

My Wells Fargo Deals should not be confused with an ongoing rewards program on every purchase.

Eligibility and credit decisions

Wells Fargo does not guarantee approval based on a specific credit score.

The issuer reviews credit reports, application information and other relevant factors when determining approval, credit limits and applicable APR.

Consumers should therefore avoid treating unofficial credit score ranges as a guarantee that an application will be approved or denied.

Frequently asked questions

What is the current Wells Fargo Reflect introductory APR?

The current published offer is 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers.

Can the 21-month period be extended further?

Wells Fargo does not currently advertise an additional extension beyond the published 21-month introductory period.

What is the balance transfer fee?

The current fee is 5% of each balance transfer, with a minimum fee of $5.

What APR applies after the introductory period?

As of September 2026, Wells Fargo lists a variable APR of 17.74%, 24.24% or 28.49%, based on creditworthiness. Rates can vary with the U.S. Prime Rate.

Does Reflect have an annual fee?

No. The Wells Fargo Reflect Card currently has a $0 annual fee.

Final considerations

The primary feature of the Wells Fargo Reflect Card is its current 21-month 0% introductory APR period on purchases and qualifying balance transfers.

When evaluating that offer, consumers should also account for the 5% balance transfer fee, applicable standard APR after the introductory period, monthly payment requirements and any remaining balance when the promotional period ends.

For current APRs and fees, review the official Wells Fargo Reflect Card page and the issuer's current credit terms.

This content is provided for informational and educational purposes only and does not constitute financial advice. APRs, fees and promotional terms may change.