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Wells Fargo Reflect℠ credit card review

This Wells Fargo Reflect℠ credit card review will show you how this card works and the list of pros and cons so you can decide if it is an option for you!

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by Aline Augusto

Published on 03/06/2022

Wells Fargo Reflect℠ credit card: the lowest intro APR up to 21 months!

See what the benefits of the Wells Fargo Reflect℠ card are. Source: The Mister Finance.
See what the benefits of the Wells Fargo Reflect℠ card are. Source: The Mister Finance.

Wells Fargo Reflect℠ credit card review: Wells Fargo is a provider of investing, banking, mortgage, personal, credit card, small business, and commercial financial services.

Today, we will review the brand new Wells Fargo credit card: the Reflect one.

If you are looking for a card with an interest relief, you have just found one. Keep reading to understand how it works and the list of pros and cons so you can decide wisely if it is a good option for you.

Credit ScoreGood – Excellent 
Annual Fee$0
Regular APRFrom 12.99% to 24.99% (variable)
Welcome bonusNone
RewardsMy Wells Fargo Deals program (statement credit on eligible shopping, dining, and experiences)
Wells Fargo Reflect℠ credit card

How to apply for a Wells Fargo Reflect℠ card

The lowest intro APR with Wells Fargo Reflect℠ Card! Check out how to apply for it!

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How does the Wells Fargo Reflect℠ credit card work?

Reflect is the newest credit card launched by Wells Fargo. The main features of it are its $0 annual fee and its extended introductory interest rates.

So, if you qualify for this card, you will get 0% intro APR for 18 months from the account opening on purchases and qualifying balance transfers.

And it doesn’t end there. If you manage to pay at least the minimum on time during this period, you will get an extension of up to 3 months of this intro APR.

You can get the lowest intro APR for up to 21 months according to your good habits. 

Also, this credit card comes with additional benefits, as follows below:

  • Cell phone protection: up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (terms apply);
  • Roadside dispatch: 24/7 emergency roadside assistance, towing, and locksmith service;
  • My Wells Fargo Deals program: cash back as a statement credit on eligible shopping, dining, and experiences (terms apply);
  • Zero Liability protection: ensures you won’t be responsible for unauthorized transactions as reported.

Wells Fargo Reflect℠ card benefits

Keep reading our Wells Fargo Reflect℠ credit card review. Source: Pexels.
Keep reading our Wells Fargo Reflect℠ credit card review. Source: Pexels.

Most credit cards charge high-interest rates and don’t offer introductory APRs. If you are looking for a new card, you should pay attention to that.

The Reflect card from Wells Fargo, on the other hand, offers an extended intro APR according to your good habits, too.

So, you can get up to 21 months of 0% APR from the account opening on purchases and qualifying balance transfers.

In addition, you won’t pay any annual fee whatsoever.

Also, you get some benefits like cell phone protection, zero liability against fraud, roadside assistance, and a reward program in the form of a statement credit.

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Pros

  • It offers an extended introductory APR of up to 21 months;
  • It provides you with cell phone protection, zero liability against fraud, roadside assistance, and a reward program in the form of statement credit;
  • Also, it doesn’t charge an annual fee.

Cons

  • It charges 3% foreign transaction fee;
  • It doesn’t offer a welcome bonus;
  • The reward program is limited.

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How good does your credit score need to be?

The higher your score is, the better are the chances of qualifying for a Reflect credit card from Wells Fargo.

How to apply for Wells Fargo Reflect℠ credit card?

If you are interested in this brand-new card, check out how to apply for it today!

Wells Fargo Reflect℠ credit card

How to apply for a Wells Fargo Reflect℠ card

The lowest intro APR with Wells Fargo Reflect℠ Card! Check out how to apply for it!

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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