Wells Fargo Reflect Credit Card Review
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The Wells Fargo Reflect® Card is a great card for anyone looking to transfer a balance or make a large purchase. It has a 0% APR introductory rate on purchases and balance transfers for the first 21 months from account opening on purchases. There aren’t many rewards and you won’t get a bonus for signing up, but if you need a card with a long introductory rate, this is the one. We dive into the details and your approval odds in this Well Fargo Reflect review.
Our Rating
4.5/5.0
Welcome Offer
N/A
Annual Fee
$0
0% on Purchases
21 months from account opening on purchases
Reward Rate
N/A
0% on Balance Transfers
21 months from account opening on qualifying balance transfers
>>Check Out This and Other Balance Transfer Credit Cards Here
Welcome Offer
None
Features & Benefits
Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Cell Phone Protection, 24/7 customer service |
Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Regular APR | 18.24%, 24.74% or 29.99% (V) APR |
Balance Transfers | 0% Intro APR for 21 months on balance transfers, then 18.24%, 24.74% or 29.99%(V) APR after that. |
Balance Transfer Fee | 3% for 120 days from account opening, then up to 5%; min: $5 |
Purchases | 0% Intro APR for 21 months on purchases, then 18.24%, 24.74% or 29.99% (V) APR after that. |
Pros & Cons
- Excellent 0% APR on purchases and balance transfers
- No annual fee
- Cell phone protection
- 24/7 roadside assistance
- No signup bonus
- Limited rewards
What Are the Best Alternatives?
Citi® Diamond Preferred® Card
Rating
3.6
Rewards Range
N/A
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Citi Simplicity® Card
Rating
4.0
Rewards Range
N/A
Annual Fee
$0