Adam McCann, Financial Writer
@adam_mcan
The best Wells Fargo Reflect® Card promotion is an introductory APR of 0% for 21 months from account opening on purchases (17.49%, 23.99%, or 28.24% Variable regular APR after that). There are a few other noteworthy Wells Fargo Reflect promotions to take advantage of as well.
Wells Fargo Reflect Promotions for January 2026
- An introductory APR of 0% for 21 months from account opening on purchases (17.49%, 23.99%, or 28.24% Variable regular APR after that).
- An introductory APR of 0% for 21 months from account opening on qualifying balance transfers, with a 5% (min $5) balance transfer fee.
Card promotions change often, so if you see something you’re particularly interested in, you should consider applying for the Wells Fargo Reflect to take advantage of the offer while it’s available. Another factor in your decision to apply should also be whether this card will still be worthwhile beyond these promotions. You should also keep in mind that this card comes with an annual fee of $0.
To stay on top of the latest offers, check out WalletHub’s editors’ picks for the best credit card promotions, which are updated regularly.
Popular Credit Cards from Our Partners
People also ask
What are the best Wells Fargo credit card promotions right now?
The best Wells Fargo credit card promotion is an initial bonus of 60,000 points from the Wells Fargo Autograph Journey℠ Card. To earn this Wells Fargo credit card promotion, you must spend $4,000 in the first 3 months. There are a few other noteworthy Wells Fargo credit card promotions to take advantage of as well.
Wells Fargo Credit Card Promotions for January 2026
- Wells Fargo Autograph Journey℠ Card: 60,000 points after you spend $4,000 on purchases in the first 3 months.
- Wells Fargo Active Cash® Card: $200 cash rewards after spending $500 on purchases in the first 3 months.
- Wells Fargo Autograph® Card: 20,000 points for spending $1,000 on purchases in the first 3 months.
- Wells Fargo Reflect® Card: An introductory APR of 0% for 21 months from account opening...
Does the Wells Fargo Reflect Card give high credit limits?
The Wells Fargo Reflect® Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $1,000, and some cardholders report having limits as high as $14,000. In general, though, the card is not considered a “high-limit” card because it does not guarantee a $5,000+ credit limit.
Keep in mind that the starting credit limit you get on the Wells Fargo Reflect card won’t necessarily be the...
read full answer by Chip Lupo, Credit Card WriterWhat does initial bonus mean?
An initial bonus is a special type of reward offered to new cardholders when they meet certain criteria shortly after opening a credit card account. Typically, you earn an initial bonus when you make your first purchase or spend above a certain amount within a specified period of time. Common forms of initial bonuses include cashback, travel points or miles, statement credits, or gift cards.
Taking advantage of a lucrative initial bonus, every once in a...
read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.