Add cards to start comparing.

Wells Fargo Reflect℠ Card

Apply Now

on Wells Fargo's secure site

Wells Fargo Reflect℠ Card

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 31 Offer Ratings
Over the Past 60 Days!

(31) Over the Past 60 Days!

Apply Now

on Wells Fargo's secure site


  • Regular Purchase APR

    12.99%-24.99% Variable APR

  • Intro Purchase APR

    0% intro APR up to 21 months from account opening

  • Intro BT APR

    0% intro APR up to 21 months from account opening on qualifying balance transfers

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
  • $0 Annual Fee
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • See Rates & Fees

Card Fees

  • Foreign Transaction Fee

    3%

  • Balance Transfer Fee

    3% for 120 days from account opening, then up to 5%; min: $5

  • Cash Advance Fee

    Refer to Important Credit Terms

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    Yes

  • Purchase Protection

    Yes

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    4.0

  • Intro APR

    5.0

  • Fees

    4.5

  • Benefits

    3.0

  • Overall Rating

    4.0 /5

From the LendingTree.com Editorial Team

The new Wells Fargo Reflect℠ Card is an immediate eye-catcher with its headline feature: up to 21 months of 0% intro APR on both purchases and balance transfers all wrapped up in a $0-annual fee package. At first blush that’s an incredible offering: almost 2 years of no interest payments if you’ve got a big purchase on the horizon or if you’re transferring a balance from a high-interest credit card places this card squarely at the top of the heap when it comes to raw interest savings potential.

That debt-busting power comes with a few caveats however, namely that you’ll have to earn it. For both purchases and balance transfers, the 0% intro APR period starts at 18 months with an ongoing 12.99%-24.99% Variable APR after that introductory period is up. If you consistently make all your minimum monthly payments on the card, Wells can grant you an additional 3 months of interest-free use, getting you up to that 21-month sweet spot.

While that may sound like it puts a big asterisk next to this card’s name on our list, it’s actually a feature we really love. Unlike a lot of other upmarket cards, the Wells Fargo Reflect℠ Card rewards you for the thing you should already be doing – paying off your credit card balance month-to-month. Couple that with the aforementioned $0 annual fee and the usual suite of Wells Fargo card benefits (like access to the My Wells Fargo Rewards program to earn statement credit on your everyday purchases) and you have a card that’s an incredibly potent tool to help you get out of credit card debt.

The Bottom Line

If you need as much breathing room as possible to get out of debt, the is perfect for you. Not only are you getting an industry-leading low interest card, but you’re also incentivized to build good credit habits to help ramp up your savings even more.

The Good

The Wells Fargo Reflect℠ Card has the potential to get you up to 21 months of 0% intro APR on purchases and balance transfers – that’s about as good as you’re going to find out on the market today.

The Not So Good

Cardholders will have to maintain consistent on-time payments to get the full benefit from this card. And beyond the (admittedly exceptional) 0% intro APR programs, this card doesn’t have a whole lot else on offer, like a top-shelf rewards program or welcome offer.


Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Wells Fargo.

Expert Reviews of the Wells Fargo Reflect℠ Card

  • Regular APR

    4.0

  • Intro APR

    5.0

  • Fees

    4.5

  • Benefits

    3.0

  • Overall Rating

    4.0 /5


Consumer Reviews 31 Reviews

Offer Rating

3.8 out of 5.0

5 Star
 
 
(6)
4 Star
 
 
(15)
3 Star
 
 
(8)
2 Star
 
 
(2)
1 Star
 
 
(0)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+31 users submitted a rating without a full review

Be the first one to write an in-depth review!


gif loader

Back to top