Credit Cards (US)

Wells Fargo Reflect Card review

Wells Fargo Reflect Card offers a fantastic 0% introductory APR for up to 21 months. Check out the review!

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by Aline Augusto

Published on 09/01/2022

Wells Fargo Reflect Card: 0% intro APR and no annual fee

This is the Wells Fargo Reflect credit card. Source: The Mister Finance.
This is the Wells Fargo Reflect credit card. Source: The Mister Finance.

If you’re looking for a credit card with one of the lowest introductory APRs for up to 21 months, check out this Wells Fargo Reflect Card review.

The Reflect Card offers an extension regarding the intro period when you pay at least the minimum of your monthly bills during the first 21 months from the account opening.

wells fargo reflect card

How to apply for a Wells Fargo Reflect Card?

Enjoy intro APR for up to 21 months with a Wells Fargo Reflect Card. Check out how to apply!

Although it doesn’t feature rewards, this Visa comes with a package of benefits.

Credit ScoreGood
Annual Fee$0
Regular APRFrom 15.24% to 27.24% (variable)
Welcome bonusNone
RewardsNone

Learn how it works and which perks you can get by holding this credit card.  

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How does a Wells Fargo Reflect Card work?

Wells Fargo is one of the oldest financial institutions in the world. Besides the solutions for businesses, the bank offers several products and services for individuals, including credit cards.

One of its cards is the Reflect Visa credit card. Although the card doesn’t offer rewards or welcome bonuses, you don’t need to worry about annual fees.

Also, it provides an introductory 0% APR on purchases and qualifying balance transfers.

The intro period can be extended for up to 21 months from the moment you open an account if you manage to follow the requirements below:

  • 18 months for the 0% introductory APR plus up to 3 months if you pay at least the minimum monthly bill payment in the entire intro period.

That is, your good financial habits might lead you to one of the longest introductory APR periods offered by a bank.

Furthermore, the card comes with cell phone protection, Zero Liability, Roadside Dispatch, and My Wells Fargo Deals – a program in which you access deals at eligible merchants.

Moreover, you can access Credit Close-up as an additional service in order to track your credit score.

Wells Fargo Reflect Card highlights

Enjoy your Visa benefits and 0% Intro APR on all of your purchases. Source: Freepik.
Enjoy your Visa benefits and 0% Intro APR on all of your purchases. Source: Freepik.

If you are looking for a credit card with a fantastic introductory APR period, you have just found one. The Wells Fargo Reflect credit card offers up to 21 months of 0% intro APR.

Also, this Visa provides a basic package of benefits, including cell phone protection, Zero Liability, and roadside dispatching.

Even though it doesn’t offer rewards, you can access the My Wells Fargo Deals program to enjoy good deals at eligible merchants.

Keep reading our Wells Fargo Reflect Card review:

Pros

  • The card offers up to 21 months of 0% intro APR on purchases and qualifying balance transfers;
  • It provides cell phone protection, Zero Liability, Roadside Dispatch, and the My Wells Fargo Deals program;
  • It doesn’t charge an annual fee.

Cons

  • It lacks a reward program.

How good does your credit score need to be?

It is recommended that you have at least a good credit score to apply for this credit card.

How to apply for a Wells Fargo Reflect Card?

If you fulfill Wells Fargo eligibility requirements, you can apply easily in just a couple of minutes.

Learn how easy it is to qualify for a Wells Fargo Reflect Card. The following content will tell you how the application process works.

wells fargo reflect card

How to apply for a Wells Fargo Reflect Card?

Enjoy intro APR for up to 21 months with a Wells Fargo Reflect Card. Check out how to apply!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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