Wells Fargo Reflect Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 21 months from date of account opening, with an extension of up to 3 months for…
At a glance
The Wells Fargo Reflect Visa is a low APR credit card that offers one of the lengthiest intro APR periods available. The card, which features no annual fee, starts with 21 months of 0% APR on purchases and balance transfers.
Our review of the Wells Fargo Reflect Card
The Wells Fargo Reflect Credit Card is a standout option for those looking for a low APR and balance transfer credit card that encourages responsible financial habits. With an already impressive 0% intro APR period, the Reflect Card extends this period even further for those who consistently make their minimum payments on time.
Who Can Benefit from the Wells Fargo Reflect Card?
If you have existing credit card debt and are seeking ways to reduce interest payments, the Wells Fargo Reflect Card may be a valuable solution for you. With its 0% introductory APR for balance transfers, this card offers significant savings on interest charges. However, if you prioritize rewards programs and prefer earning cash back or travel rewards, you may find other credit cards more appealing.
How to Get the Card
Wells Fargo may reject your application if you have recently opened another Wells Fargo card within the last six months.
Pre-Qualify Before Applying?
Wells Fargo provides a pre-qualification tool on its website, allowing you to see if you are pre-selected for one of its credit cards, including the Reflect Card. This process is quick and does not impact your credit score.
Introductory APR Benefits
The standout feature of the Reflect Card is its impressive 0% intro APR period.
- 0% Intro APR on Balance for 21 Months
- 0% Intro APR on Purchases for 21 Months
- Earn Basic Rewards with Partners
While the Reflect Card does not offer traditional rewards, it provides an opportunity to earn points through the My Wells Fargo Deals program when shopping with eligible retailers.
Other Card Benefits
Additional features of the Wells Fargo Reflect Visa credit card include:
- Wells Fargo Control Tower access via the mobile app
- Contactless payment and EMV chip technology
- Voice Verification and 2-step Verification at sign-on
- 3% foreign transaction fee
- No annual fee
- Visa Benefits
Comparison
How does the Reflect Visa Card compare to other cards with similar introductory APR offers?
Credit Card | Purchase Intro APR | Balance Transfer Intro APR
— | — | —
Citi Simplicity® Card | 0% for 12 months | 0% for 21 months
BankAmericard® | 0% for 21 months | 0% for 21 months
Chase Slate Edge | 0% for 18 months | 0% for 18 months
U.S. Bank Visa® Platinum Card | 0% for 21 months | 0% for 21 months
Wells Fargo Reflect Card | 0% for 21 months | 0% for 21 months
What We Like About the Card
The Wells Fargo Reflect Visa stands out for its 0% introductory APR for both purchases and balance transfers, allowing cardholders to save on interest charges and pay off debt faster. Additionally, the card has no annual fee, making it a cost-effective option.
Things to Consider
While the Reflect Card offers impressive introductory APR periods, it does come with balance transfer fees that other banks may not charge. It’s essential to consider these fees when evaluating the overall cost of using the card.
Should You Apply for the Wells Fargo Reflect Card?
Overall, the Wells Fargo Reflect Card is a solid choice for those seeking a balance transfer or low APR credit card. The extended introductory APR period and lack of an annual fee make it an attractive option for those looking to save on interest charges. While the card may not offer cash back rewards, its primary focus is on providing financial tools to help pay down existing balances and make large purchases. Wells Fargo’s emphasis on substance over style shines through in the Reflect Card, making it a dependable option for responsible cardholders.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
- Cell phone protection for up to $600 when you pay your monthly cell phone bill with your eligible Wells Fargo card
Who this card may suit
- You have a significant credit card balance they want to pay down
- You plan on making your payments on time each month
- You have a good credit score
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 21 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements |
| Regular Purchase APR | 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5 |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each advance, whichever is greater. |
| Foreign Transaction Fee | 3% of each transaction converted to U.S. dollars |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Wells Fargo Reflect Card
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