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Wells Fargo Reflect℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 24.99% (Variable) (0% for the first 18 months)
Balance Transfer
12.99% ‐ 24.99% (Variable) (0% for the first 18 months)
Rewards
-
Signup Bonus
-


9.1/10
Informr score
The Wells Fargo Reflect℠ Card currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 7 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...


ValuePenguin

The Wells Fargo Reflect℠ Card is worth it for those looking for a long low intro APR offer on purchases and balance transfers. This card is an ideal choice if you plan to consolidate debt or need to make a large purchase. But while this card comes with one of the best 0% intro APR offers on the mark...

- Sophia Mendel, ValuePenguin
CreditCards.com

Boasting 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.

- Antonio Ruiz-Camacho, CreditCards.com
CNBC

The Wells Fargo ReflectSM Card is an excellent credit card with 0% intro APR period. Its up to 21 months offer is the best currently available, and if you are looking for flexibility for your upcoming purchases or a balance transfer — this card is strongly worth considering.

- Brett Holzhauer, CNBC
Bankrate

Cardholders that need to keep interest at bay for as long as possible on not only their previous balance but any new purchases coming their way will find the Wells Fargo Reflect one of the most worthwhile options out there. As long as you keep up on-time minimum (hopefully larger) payments, your 18-...

- Garrett Yarbrough, Bankrate
Forbes

At first glance, the Wells Fargo Reflect℠ Card looks like a decent card for new purchases or balance transfers, but in most scenarios, there are better competing cards. The lack of a rewards program makes the card mediocre.

- Becky Pokora, Robin Saks Frankel, Forbes

Details


Interest Rates
Regular APR Interest Rate 12.99% ‐ 24.99% (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 12.99% ‐ 24.99% (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 25.99% (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
More
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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