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Wells Fargo Reflect℠ Card review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
14.49% ‐ 26.49% (Variable) (0% for the first 18 months)
Interest Rate: Purchases
14.49% ‐ 26.49% (Variable) (0% for the first 18 months)
Balance Transfer
14.49% ‐ 26.49% (Variable) (0% for the first 18 months)
Balance Transfer
14.49% ‐ 26.49% (Variable) (0% for the first 18 months)
Rewards
-
Rewards
-
Signup Bonus
-
Signup Bonus
-


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...


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
Cnet
Cnet

The Wells Fargo Reflect℠ Card offers a very long introductory APR, making it a great choice if you're looking to finance a large purchase or transfer a balance from a card with a high APR. In order to take full advantage of this card's power, you need to make all your minimum payments on time. The W...

- Jaclyn DeJohn, Cnet
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
SlickDeals
SlickDeals

If you’re planning on making a large purchase or you're hoping to pay down existing high-interest credit card debt, the Wells Fargo Reflect℠ Card should be on your radar.

- Ben Luthi, SlickDeals
Finder
Finder

The Wells Fargo Reflect Card is a surprising addition to the credit cards market from a bank that traditionally was outclassed by the competition. It takes direct aim at the Citi® Diamond Preferred® Card and surpasses it by offering a superior intro length on purchases along with some perks you can’...

- Steven Dashiell, Finder

Details


Interest Rates
Regular APR Interest Rate 14.49% ‐ 26.49% (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 14.49% ‐ 26.49% (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 27.49% (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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