Credit Cards

Wells Fargo Reflect℠ Credit Card full review

Get nearly 2 years of 0% intro APR and no annual fee with The Wells Fargo Reflect℠ Credit Card. Want to know more? In this full review we cover fees, benefits, its pros, and cons.

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Wells Fargo Reflect℠ Credit Card: One of the longest 0% intro APRs in the market

Wells Fargo Reflect℠ Credit Card
Wells Fargo Reflect℠ Credit Card full review. Source: The Insider Advisor

Wells Fargo Reflect℠ Credit Card is a great option for anyone who is new with credit cards or needs more purchase flexibility.

Wells Fargo Credit Card

Apply for the Wells Fargo Reflect℠ Card

Applying for a Wells Fargo Reflect℠ Card is simple and fast. Want to enjoy all the benefits available? Read this article to learn how.

Also, the credit card offers almost 2 years of 0% APR for purchases and qualifying balance transfers. But is it right for you? Keep reading this article to find out if it’s worth it.

Credit Score690-850 (Good – Excellent)
Annual Fee$0
Regular APR*15.24% – 27.24% variable APR for purchases and balance transfers

0% intro APR for 18 months (valid for the date of account opening

*Terms apply
Welcome bonusN/A
RewardsN/A

All you need to know about the Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card starts by offering a unique feature. A generous 0% intro APR during 18 months from account opening on both balance transfers and purchases.

You can extend your 0% APR for up to 3 months. Therefore you must make on-time minimum monthly payments during the introductory and extension months.

Certainly, this card will give you a lot of time to pay your debts or finance a large purchase. But despite the extra-large intro APR period, it has no welcome bonus or ongoing rewards.

Wells Fargo Reflect℠ Card details

 Wells Fargo Reflect℠ Credit Card
Learn how Wells Fargo Reflect℠ Credit Card works! Source: Freepik

Balance transfer cards usually won’t give you great features. But there still are great things to be considered. So let’s check the pros and cons of the Wells Fargo Reflect℠ Credit Card.

Advantages

  • You get up to a 21-month 0% intro APR for purchases and qualifying balance transfers;
  • $0 annual fee;
  • Cell phone Protection up to $600 in the event of damage or theft when paying your monthly phone bill with your card;
  • Get Zero Liability protection to protect yourself from unauthorized transactions that are made to your card;
  • With Roadside Dispatch, get 24/7 on-demand emergency roadside assistance for towing or locksmith service;
  • Get cashback while shopping, dining, or using your credit card with My Wells Fargo Deals.

Disadvantages

  • No welcome bonus or rewards on spending;
  • Foreign transactions incur a 3% fee per transaction;
  • For balance transfers, you will be charged an intro fee of either $5 or 3% of the total amount of each transfer. After 120 days, the fee will increase to 5% for each transfer.

What is the credit score necessary to apply?

Like several balance transfer cards, the Wells Fargo Reflect℠ Credit Card requires a good-to-excellent credit score. Consequently, you must have a FICO Score of at least 660.

Learn how to get the Wells Fargo Reflect℠ Credit Card

Applying for this credit card is as easy as it seems. You can carry out a prior credit analysis online. Want to know more? Check out the next post and join the Wells Fargo Reflect℠ Card.

Wells Fargo Credit Card

Apply for the Wells Fargo Reflect℠ Card: find out

Applying for a Wells Fargo Reflect℠ Card is simple and fast. Want to enjoy all the benefits available? Read this article to learn how.

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

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