| Last updated on February 26th, 2024
Wells Fargo Reflect Card
Wells Fargo Reflect Card
Wells Fargo Reflect Card
- 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 21 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements Intro Purchase APR
At a Glance
The Wells Fargo Reflect Visa is a low APR credit card that offers one of the lengthiest intro APR periods available. The card, which features no annual fee, starts with 21 months of 0% APR on purchases and balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
- Cell phone protection for up to $600 when you pay your monthly cell phone bill with your eligible Wells Fargo card
- Intro Purchase APR: 0% for 21 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
- Regular Purchase APR: 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 21 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
- Balance Transfer APR: 18.24%, 24.74%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater.
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a significant credit card balance they want to pay down
- You plan on making your payments on time each month
- You have a good credit score
- You do't want to pay an annual fee
In-Depth Review: Wells Fargo Reflect® Credit Card
The Wells Fargo Reflect is a low APR and balance transfer credit card that prioritizes financial responsibility. The card, which already comes with one of the longest 0% intro APR periods available, extends that period for an additional three months for those who make their minimum payments on time every month.
Who Can Benefit from the Wells Fargo Reflect Card?
If you currently have outstanding credit card debt and are looking for ways to minimize the amount of interest you pay, the Wells Fargo Reflect® Card could be a valuable option for you.
 With its 0% introductory APR for balance transfers, this credit card provides a significant advantage in terms of saving on interest charges. However, if you prioritize a rewards program and desire to earn cash back or travel rewards on your everyday purchases, you might discover that there are other credit cards available in the market that offer more enticing and rewarding programs.
How to Get the Card
Wells Fargo may decline your application if you have opened another Wells Fargo card within the last six months.
Credit Needed
Wells Fargo has strict rules regarding who is eligible for its credit card products. You’ll likely need a FICO Score 0f 670+ to apply for a Wells Fargo credit card, although a 700+ score is better suited for approval. This means you’ll need good or excellent credit to qualify for the Wells Fargo Reflect Card.
Pre-Qualify Before Applying?
Wells Fargo offer a pre-qualification tool on its website that lets you see if you’re pre-selected for one of its credit cards, including the Reflect Card. This process is quick, taking less than a minute to use and doesn’t impact your credit score before applying.
Introductory APR Benefits
The major talking point with the Reflect Card is the impressive 0% intro APR period it provides.
0% Intro APR on Balance for 21 Months
New accounts enjoy 21 months of 0% APR on qualifying balance transfers. Qualifying balance transfers are any eligible transfers made within 120 days (roughly four months) of opening an account.
That 21 months of 0% intro APR is one of the lengthiest zero-percent interest periods available on the market – with few cards (including the US Bank Platinum Visa) matching it. This massive introductory period makes the Wells Fargo Reflect a mammoth of a balance transfer credit card –  like the Chase Slate Edge Visa, Citi Simplicity® Card and Citi® Diamond Preferred® Card.
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0% Intro APR on Purchases for 21 Months
That promotional APR period also extends to purchases. New accounts also enjoy 0% introductory APR on purchases for 21 months from account opening. After that, anticipate an extremely-competitive everyday APR on purchases.
This rate will vary depending on your creditworthiness and the Prime Rate but is roughly half-a-point lower than the average APR of a low APR credit card, three points lower than the average rate for a balance transfer credit card, and nearly 1.5 points lower than the typical rate for someone with an excellent credit score..
Earn Basic Rewards with Partners
While the Wells Fargo Reflect Card doesn’t offer cash back rewards or Wells Fargo Go Far points on bonus categories, that doesn’t mean you can’t earn any rewards with the card. The My Wells Fargo Deals program provides cardholders with an extra way to earn points when shopping with eligible retailers. To participate in this program, simply log in to your Wells Fargo account or app.
Other Card Benefits
Other notable features of the Wells Fargo Reflect Visa credit card include:
- Wells Fargo Control Tower access via the mobile app
- Contactless payment and EMV chip technology
- Voice Verification and 2-step Verification at sign-on
- 3% foreign transaction fee
- No annual fee
Visa Benefits
Other features of the Reflect credit card include Visa benefits and protections, including:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement |
| Roadside Dispatch and Auto Collision Damage Waiver | Lost/Stolen Card Reporting | ID Navigator from Norton |
Comparison
How does the Reflect Visa Card compare to other options with the longest introductory APR offers?
| Credit Card | Purchase Intro APR | Balance Transfer Intro APR |
|---|---|---|
| Citi Simplicity® Card | 0% for 12 months | 0% for 21 months |
| BankAmericard® | 0% for 21 months | 0% for 21 months |
| Chase Slate Edge | 0% for the first 18 months from account opening date | 0% for the first 18 months from account opening date |
| U.S. Bank Visa® Platinum Card | 0% for 21 months from account opening date | 0% for 21 months on balances transferred within 60 days from account opening |
| Wells Fargo Reflect Card | 0% for 21 months | 0% for 21 months |
What We Like About the Card
The best feature of the Wells Fargo Reflect Visa is its 0% introductory APR for both purchases and balance transfers. This feature can help you save a significant amount of money on interest charges, allowing you to pay off your debt faster.
Additionally, the Reflect Credit Card does not charge an annual fee, making it a cost-effective option for those who want to avoid unnecessary fees. This can be particularly beneficial if you’re looking for a credit card that offers great value without adding to your financial burden.
Things to Consider
While The Reflect Card comes with two exceptional introductory APR periods, the card also charges fees that other banks may not. When making transfers, you’ll be on the hook for a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. This can add costs to any balance.
Fortunately, that balance transfer fee may be lower than the rate you’d pay with other banks, like Bank of America. For comparison, the BankAmericard charges a balance transfer fee of either $10 or 3% of the transaction, whichever is greater.
Wells Fargo Ratings
How does Wells Fargo rank as a credit card issuer? Here is a selection of reviews for the bank from consumers and financial experts:
| BestCards | Better Business Bureau | TrustPilot |
|
3/5 |
N/A |
2/5 |
Should You Apply for the Wells Fargo Reflect Card?
The Wells Fargo Reflect isn’t the flashiest credit card on the market, but it does provide everything you need in a balance transfer or low APR credit card. The introductory APR period with the card is stellar – with 18 months rising to an industry-leading 21 months subject to making payments on time each month.
This lengthy period applies to both purchases and balance transfers, making the card ideal for anyone with a significant balance they need to pay down or planning on making a sizeable purchase within the next year.
The Reflect might not offer cash back, but the card more than makes up for it with that 0% APR. Plus, cardholders looking for savings can always scout the Wells Fargo Deals on.
Ultimately, a card like the Reflect isn’t about rewards. It is about paying down existing credit card balances and operating as a payment tool designed to finance larger purchases. In this task, the card performs not only admirably – but excellently. Wells Fargo has sought to rebrand their credit card portfolio – and the Reflect is a shining example of what can happen when the focus is placed on substance – and not style.
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