Wells Fargo Reflect℠ credit card review
The Wells Fargo Reflect℠ credit card gives you a super-long 0% intro APR period at a $0 annual fee.
With this card, you get an extended 0% intro APR period on purchases and balance transfers
The Wells Fargo Reflect℠ credit card gives you plenty of time to pay down your debt or even finance a large purchase interest-free. But you must have good to excellent credit to apply.
- Credit Score: Good – Excellent
- APR: 15.99%-27.99% Variable APR
- Annual Fee: $0
- Fees: 5% or $5 ongoing balance transfer fee (whichever is greater)
- Welcome bonus: N/A
- Rewards: N/A
Do 21 months of 0% APR sound good enough for you? Well, it should. This is one of the longest complimentary 0% APR periods you will find.
Plus, you pay no annual fee and are granted up to $600 of cell phone protection when you pay your cell phone bill with this card.
Wells Fargo Reflect℠ credit card: how does it work?
In this Wells Fargo Reflect℠ credit card review, you will see that this is a solid option for people looking to reduce or eliminate debt, as well as those looking to pay off a large purchase.
New cardholders get up to 21 months of 0% APR for purchases and balance transfers. This means nearly two years with no interest or, in other words, one of the longest 0% intro APR periods.
Once the intro period is over, the ongoing APR is a variable 15.99% to 27.99%. Also, the card does not have much more to offer other than the long intro 0% APR period.
Although this card does charge a balance transfer fee, not only is this common in most cards, but their balance transfer fee is fairly low.
In the first 120 days of account opening, you will pay 3% of the total transfer or $5 (whichever is greater).
Holding on to the Wells Fargo Reflect℠ credit card after the 0% intro APR period is over will not cost you anything.
The card does not charge an annual fee, and keeping a credit card account for a longer period can contribute positively to the length of your credit history.
It is important to point out, however, that you will be paying the card’s ongoing APR. So, if you haven’t yet finished paying off what you originally intended to, it might make sense to look for other offers.
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Benefits and disadvantages of the Wells Fargo Reflect℠ card
Now that you have become familiar with the Wells Fargo Reflect℠ credit card’s features, how about a little comparison?
This is what a complete Wells Fargo Reflect credit card review looks like. Below we have put together a list of benefits and disadvantages to owning one of these.
- Does not charge an annual fee
- Ultra-long 0% intro APR period
- $600 cell phone protection
- Relatively low ongoing APR
- Does not offer rewards
- 3% foreign transaction fee
- 5% ongoing balance transfer fee
Is a good credit score required from applicants?
To get approved for the Wells Fargo Reflect℠ credit card, applicants must have good to excellent credit. This usually means a credit score of 690 to 850.
Learn how to apply and get a Wells Fargo Reflect℠ credit card
Does this sound like a good fit for you? So you might want to take the next step and apply for it.
In the link below, we have prepared a complete walkthrough of the application process to make things easier for you. Click it, and we will show you how to do it.
About the author / Danilo Pereira
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