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Wells Fargo Reflect℠ Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
16.74% ‐ 28.74% (Variable) (0% for the first 18 months)
Interest Rate: Purchases
16.74% ‐ 28.74% (Variable) (0% for the first 18 months)
Balance Transfer
16.74% ‐ 28.74% (Variable) (0% for the first 18 months)
Balance Transfer
16.74% ‐ 28.74% (Variable) (0% for the first 18 months)
Rewards
-
Rewards
-
Signup Bonus
-
Signup Bonus
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9.3/10
Informr score
The Wells Fargo Reflect℠ Card currently has an Informr score of 9.3 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Wells Fargo Reflect℠ Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Bankrate
Bankrate

Wells Fargo’s card bursts onto the scene with perhaps one of the longest 0 percent intro APR period: up to 21 months, 0 percent intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro...

- Garrett Yarbrough, Bankrate
CreditCards.com
CreditCards.com

Boasting one of the longest intro APR periods on the market, the Wells Fargo Reflect Card could be a lifesaver if you’re ready to chip away at high-interest debt.

- Antonio Ruiz-Camacho, CreditCards.com
MoneyUnder30
MoneyUnder30

If you want a card that offers a low purchase interest rate for an extended period of time, it’s really hard to beat the Wells Fargo Reflect Card. But if you’re on the hunt for a great balance transfer deal, or if you want to earn rewards for your purchases, you should probably look at alternative o...

- Chris Muller, MoneyUnder30
FinanceBuzz
FinanceBuzz

It could be worth it if you want to help avoid paying high interest charges on existing credit card debt or upcoming large purchases. The Wells Fargo Reflect has a 0% intro APR balance transfer offer for up to 21 months from account opening on qualifying balance transfers, and after that your balanc...

- Ben Walker, FinanceBuzz
WalletHub
WalletHub

The Wells Fargo Reflect® Card is a good credit card for people with good credit or better who want 0% introductory interest rates for purchases and balance transfers. Wells Fargo Reflect is worthwhile because it has a $0 annual fee and allows cardholders to avoid interest for up to 21 months from ac...

- John S Kiernan, WalletHub

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 28.74% (Variable) (0% for the first 18 months)
  • This APR will vary with the market based on the Prime Rate
  • 3 months APR extension when you make at least your minimum monthly payment on time during the introductory and extension periods
Balance Transfer Interest Rate 16.74% ‐ 28.74% (Variable) (0% for the first 18 months)
  • This APR will vary with the market based on the Prime Rate
  • Balance transfers made within 120 days qualify for the intro rate and fee
  • 3 months APR extension when you make at least your minimum monthly payment on time during the introductory and extension periods
Cash Advance Interest Rate 29.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

of each transaction in U.S. dollars

Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Cell phone protection
  • Roadside Dispatch
  • My Wells Fargo Deals
  • Emergency Cash Disbursement and Card Replacement
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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