Am I eligible?
To get this card, you must also:
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...
- Garrett Yarbrough, BankrateBoasting one of the best intro APR offers out there, this card is definitely worth a look if you need to pay off debt. But since it has no rewards program and a high balance transfer fee, better deals might be available.
- Antonio Ruiz-Camacho, CreditCards.comBoasting one of the longest intro APR periods on the market, the Wells Fargo Reflect card could be a life-saver if you’re ready to chip away at high-interest debt.
- Funto Omojola, NerdWalletThis card will give you plenty of time to pay down debt or finance a large purchase, without being charged interest. But it doesn't offer much in terms of ongoing value.
- Ben Luthi, SlickDealsAnyone looking to make a large purchase will appreciate the Wells Fargo Reflect Card’s intro 0% APR promotion, which lasts for 21 months and applies to both new purchases and qualifying balance transfers. After the intro 0% APR offer concludes, a 18.24%, 24.74%, 29.99% variable APR will apply based...
- Becky Pokora, ForbesAt first glance, the Wells Fargo Reflect® Card looks like a decent card for new purchases or eligible balance transfers, but in most scenarios, competing cards offer better options. The lack of a rewards program makes the card mediocre.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
18.24% ‐ 29.99% (Variable) (0% for the first 21 months)
|
| Balance Transfer Interest Rate |
18.24% ‐ 29.99% (Variable) (0% for the first 21 months)
|
| Cash Advance Interest Rate |
29.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% 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 |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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