Review
Wells Fargo Reflect® Card Review: Exceptionally Long 0% APR for Debt Relief
Looking to tackle debt or finance a big purchase interest-free? The Wells Fargo Reflect® Card delivers an exceptionally long 0% intro APR for 21 months, making it a standout for saving on interest, though it skips the rewards.
Wells Fargo
Wells Fargo Reflect® Card
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus offered currently. |
| Rewards Rate | No rewards program for this card. |
| 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. |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Cell phone protection
- Roadside assistance
- Cashback on purchases
- Free credit score access
Things to consider
- High regular APR
- No rewards
- No sign-up bonus
- Foreign transaction fees apply
- High balance transfer fee
Benefits
Drawbacks
Decision Guidance
Summary
The Wells Fargo Reflect® Card earns an overall rating of 3.7, positioning it as a 'Good' card that excels exceptionally well in a very specific niche, bordering on 'Excellent' for its intended use. Its paramount strength is an industry-leading 0% int...