Wells Fargo
Wells Fargo Reflect® Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. Balance transfers made within 120 days from account opening qualify for the introductory rate. |
| Regular APR | 17.49%, 23.99% or 28.24% variable APR thereafter. |
| Other Fees | There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. Please refer to the Important Credit Terms for the most current rate and fee information. Yes, typically there is a balance transfer fee associated with the Wells Fargo Reflect Card. Please refer to the Important Credit Terms for the most current rate and fee information. |
| Network | Visa |
About this card
The Wells Fargo Reflect® Card is a mixed bag, primarily suited for a specific purpose: managing debt or financing a large purchase with a long 0% intro APR period. Its strengths lie in the absence of an annual fee and the exceptionally long introductory APR offer, which is highly valuable for those who can take full advantage of it. The fees rating is solid (4.2/5.0) due to the lack of an annual fee, but the presence of balance transfer and foreign transaction fees temper the score slightly. The APR rating is average (2.8/5.0), reflecting the high regular APR after the intro period ends. However, the absence of any rewards program is a significant weakness (1.5/5.0), making it less appealing for ongoing use. Reputationally, the card suffers from the issuer's mixed public perception. The card is very well-targeted to its audience - those who need the 0% intro offer, however, that is its only advantage. Overall, the card is 'Good', primarily for its intro APR, but is not a great general-purpose credit card. The overall rating is 3.1/5.0 because the card is excellent for a very specific purpose and is severely lacking otherwise.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Cell phone protection
Things to consider
- High regular APR
- Balance transfer fee
- Foreign transaction fees apply
- No sign-up bonus
- No rewards
What this card offers
Other features
- Cellular Telephone Protection Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Roadside Dispatch® Available whenever you’re in need of a tow – for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more call 1-800-847-2869.
- My Wells Fargo Deals Through My Wells Fargo Deals, you can have access to personalized deals from a variety of merchants. Activate your deals, then shop, dine, or enjoy an experience using an eligible Wells Fargo credit card. It’s an easy way to earn cash back as an account credit.
- Zero Liability protection Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
- Credit Close-Up® With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complimentary to Wells Fargo Online® customers and using it won’t negatively affect your score.
Additional Notes
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer. This offer is not a guarantee of credit. Credit card is subject to credit qualification. You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card in the last 6 months. You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance.