Review
Wells Fargo Reflect® Card Review: Top Pick for Extended 0% Intro APR
Looking to ditch high interest rates? The Wells Fargo Reflect® Card offers a whopping 21-month 0% intro APR, making it a top choice for balance transfers and large purchases. But is this no-frills card the right fit for your wallet?
Wells Fargo
Wells Fargo Reflect® Card
| Annual Fee | $0.00 |
| Regular APR | 17.49%, 23.99% or 28.24% variable APR thereafter. |
| 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. |
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 introduct...