Credit Cards

Wells Fargo Reflect® Card review: 0% intro APR

See how you can benefit from the Wells Fargo Reflect® Card and start building your credit history today. Enjoy $0 annual fee! Read on!

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Build credit fast with the Wells Fargo Reflect® Card

Wells Fargo Reflect® Card
Wells Fargo Reflect® Card review. Source: Ok Save Money

Have you been educated on credit use? Wells Fargo Reflect® Card will help you with that, and you’ll see how it can be a good tool by reading this full review.

Wells Fargo logo

Wells Fargo Reflect® Card: how to apply

If you’d like to apply for the Wells Fargo Reflect® Card to enjoy the 0% intro APR, you’re in the right place. Read on to learn how to do it!

Most credit cards secretly want you to spend more and give them a large part of it. But Wells Fargo teaches you how to save. So read on to understand.

Credit ScoreAt least 690 – but the higher your creditworthiness, the lower your interest rates will be;
Annual Fee$0 annual fee;
Purchase APRUp to 21 months of 0% APR, 17.74% to 29.74% after;
Cash Advance APR29.99% APR for cash advances;
Welcome BonusN/A;
RewardsThe Wells Fargo Reflect® Card is not a rewards credit card.

Wells Fargo Reflect® Card overview

It is incredibly easy to slip into your credit limit and get into debt. But not with the Wells Fargo Reflect® Card!

Firstly, it has a 0% intro APR for up to 21 months (18 standard months plus 3 bonus months for on-time payment).

Indeed, that’s one of the main reasons this card has been awarded to the major credit specialists as one of the best credit cards for a balance transfer.

Indeed, this credit card has no rewards program or fancy benefits.

But you might want to transfer your credit card balance to save money – as it can be better than any cashback or gift card. 

Wells Fargo Reflect® Card main features

Smiling businessman paying through credit card. Male executive is using digital tablet by window. He is enjoying online shopping at office.
Wells Fargo Reflect® Card main features. Source: Adobe Stock

Luckily, cashback is not the only benefit a credit card can offer.

Let’s take a closer look at Wells Fargo Reflect® Card and review its pros and cons!

Pros 

  • The flagship benefit is, of course, the 0% intro APR. You’ll have it for at least 18 months;
  • You’ll get rewards with 3 extra months of 0% intro APR;
  • $0 annual fee;
  • Get access to the My Wells Fargo Deals. Shops with Wells Fargo partners to get exclusive benefits – including cash back;
  • $600 cell phone insurance;
  • Enjoy roadside protection;
  • Wells Fargo Reflect® Card provides educational content about credit score and credit using through Credit Close℠ and lets you review your credit history.

Cons

  • It lacks the traditional cashback or points rewards program most people look for in credit cards;
  • It is available only for people with high credit scores

Minimum credit score to apply

Check your credit score before applying for the Wells Fargo Reflect® Card. If it’s not at least 690, you won’t be approved.

Also, you cannot apply for more than one Wells Fargo product in less than 6 months.

How to apply for the Wells Fargo Reflect® Card?

Do you want to add a rewards no-annual-fee credit card to your wallet? Well, who doesn’t?

Check the application guide we’ve made to help you with that on the following link.

Wells Fargo logo

Wells Fargo Reflect® Card: how to apply

If you’d like to apply for the Wells Fargo Reflect® Card to enjoy the 0% intro APR, you’re in the right place. Read on to learn how to do it!

About the author  /  Julia Bermudez

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