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. 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 designed for consumers who need an extended period to pay down debt or finance a large purchase. Its primary strength is its long 0% intro APR period, as well as no annual fee, making it a cost-effective option for those who can take advantage of the introductory offer. The card's reputation is generally positive for its intended purpose, as reflected in major financial publications and user discussions. However, the card's lack of rewards and the potential for low credit limits are significant drawbacks. The high regular APR is also a concern once the introductory period ends. Wells Fargo's reputation as an issuer is mixed, due to past scandals that impact consumer trust, however, the reputation of the card alone is very strong. Considering all factors, the card earns an overall rating of 3.0, indicating that it's a 'Good' card for a specific purpose, but not a great general-purpose credit card. The card's strengths are its long 0% intro APR period and no annual fee. Its weaknesses are the lack of rewards, potential for low credit limits, high regular APR, and issuer reputation.
Pros & Cons
What's great
- No annual fee
- Intro APR period
Things to consider
- High regular APR
- 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.