Credit Cards

Wells Fargo Reflect® Card full review

The Wells Fargo Reflect® Card offers a long 0 percent intro APR period on purchases, balance transfers and no annual fee. Plus, get up to $600 for cellphone protection. This might be an excellent option for you. Know more!

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by Sabrina Paes

12/14/2022 | Updated on 12/29/2022

Wells Fargo Reflect® Card: Enjoy its innovative cellphone protection and longer-than-average intro APR

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Read our Wells Fargo Reflect® Card full review and learn if this is a good option for you! Source: Wells Fargo

Looking for a credit card to help you save money with interest? Then read this Wells Fargo Reflect® Card review! Enjoy an impressive zero percent introductory APR for up to 21 months from account opening.

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How to apply Wells Fargo Reflect® Card

If you're looking for a new card, the Wells Fargo Reflect® Card is worth considering. Apply and enjoy 0% intro APR for up to 21 months!

Enjoy a bonus cellphone protection: up to $600 of coverage for eligible theft or damage. Great perks, right? Keep reading and learn more about this and whether it’s the right choice for you! Learn More!

  • Credit Score: Good to Excellent (670 – 850);
  • Annual Fee: $0;
  • Regular APR: 0% intro APR for 18 months from account opening on purchases and eligible balance transfers (possible extension for 3 months). Then, 17.24% to 29.24% variable APR;
  • Welcome bonus: N/A;
  • Rewards: Up to $600 of cellphone protection for eligible theft or damage when using your card to pay your cellphone bill each month;
  • Terms apply.

How does the Wells Fargo Reflect® Card work?

Wells Fargo’s Reflect® Card is a worthwhile credit card option for those looking to save money. Since it offers 0% intro APR on purchases and eligible balance transfers for 18 months from account opening.

Additionally, Wells Fargo provides customers with an Intro APR extension for 3 months as long as minimum payments are made on time during the introductory period.

After that, cardholders will have a variable APR ranging from 17.24% to 29.24% variable APR. Also, customers can count on Visa acceptance nationwide and its benefits.

Moreover, balance transfers made within 120 days of account opening will qualify for the promotional interest rate and fee. To top things off, Wells Fargo doesn’t charge an annual fee!

Wells Fargo Reflect® Card pros and cons

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Compare the pros and cons of the Wells Fargo Reflect® Card before making a decision. Source: Pexels

Wells Fargo Reflect® Card has been praised for its 0% introductory APR on purchases and eligible balance transfers for 18 months from account opening.

A bonus is the three-month intro APR extension offered when customers make their minimum payments on time during those 18 months.

However, you also have some cons, like associated fees for balance transfers and foreign transactions. Check out the comparison and see if it works for your case.

Pros

  • Get 21 months of 0 percent intro APR on purchases and qualifying balance transfers (terms apply);
  • No annual fee;
  • Receive up to $600 of cellphone protection for eligible theft or damage.

Cons

  • There is no continuing benefits or rewards program;
  • You must have minimum monthly payments to guarantee the 21 months of APR exemption;
  • 3% balance transfer fee;
  • Purchases abroad bring an associated fee of 3%.

Does my credit score need to be good?

As said, the Wells Fargo Reflect® Card has some great benefits, like cell phone protection and zero annual fees. Furthermore, it brings relatively low APR fees and also a 0% APR initial bonus for some time.

Therefore, you need a good to excellent credit score to enjoy these benefits. And the higher the credit score, the lower the associated APR.

Want to apply for the Wells Fargo Reflect® Card?

Did the Wells Fargo Reflect® Card seem like a good option? Then you can apply online by filling in a form with your details. Learn more about how to apply for this card in the following post!

logo

How to apply Wells Fargo Reflect® Card

If you're looking for a new card, the Wells Fargo Reflect® Card is worth considering. Apply and enjoy 0% intro APR for up to 21 months!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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