Pros & Cons
Pros
- Excellent 0% APR on purchases and balance transfers
- No annual fee
- Cell phone protection
- 24/7 roadside assistance
Cons
- No signup bonus
- Limited rewards
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 |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction converted to U.S. dollars. |
| Regular APR | 17.49% - 29.49% (V) APR |
What Credit Score Is Required to Get the Well Fargo Reflect
Based on data we’ve collected from public forums, a credit score of 700 or higher is ideal. We have seen an approval with a score as low as 659, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 07/12/2022 | Equifax | ||
| Approved | 10/03/2022 | TransUnion | ||
| Approved | 10/30/2022 | Experian | ||
| Approved | 06/09/2022 | Experian | ||
| Approved | 11/20/2022 | Experian | ||
| Denied | 12/30/2021 | Equifax | ||
| Denied | 12/30/2021 | TransUnion | ||
| Denied | 12/30/2021 | Experian |
What Are the Best Alternatives?
Citi® Diamond Preferred® Card
Rating
4.7
Rewards Range
N/A
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Rating
4.3
Rewards Range
1-3%
Annual Fee
$0
Citi Simplicity® Card
Rating
4.0
Rewards Range
N/A
Annual Fee
$0
