Reviews

Wells Fargo Reflect® Card – The Low APR credit card you were looking for

Ready to tackle your debt? The Wells Fargo Reflect® Card could be the perfect solution. This card offers a generous introductory APR period and no extra expenses!

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Wells Fargo Reflect® Card: Up to 21 months of 0% intro APR

Wells Fargo Reflect® Card
Read out this Wells Fargo Reflect® Card review and learn more. Source: The Mad Capitalist

If you’ve been looking for a good credit card to pay off your debts, read this Wells Fargo Reflect® Card review. This card offers a long introductory APR period (up to 21 months) and no annual fee.

card

Credit Card

Wells Fargo Reflect®

Online Banking Visa Benefits

No annual fee and 0% intro APR for up to 21 months.

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So there’s no need to worry about monthly payments or extra charges. Here’s a review of what the Wells Fargo Reflect® Card offers and how it can help you pay off your debts.

  • Credit Score: Good – Excellent;
  • Annual Fee: $0 annual fee;
  • Regular APR: 0% intro APR for 18 months on purchases and eligible qualifying balance transfers. Plus, three months of intro APR extension with a one-time minimum payment in the intro period. Then, 17.24% to 29.24% variable APR; 
  • Welcome bonus: N/A;
  • Rewards: N/A;
  • Terms apply.

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Wells Fargo Reflect® Card: how does it work?

The Wells Fargo Reflect® Card is a great way to get out of debt because it offers an intro APR of 0% for 18 months on purchases and qualifying balance transfers made within the first 90 days after opening an account.

Still, this offer can be extended for three more months, making on-time minimum payment during the intro period runs.

After that, the APR varies between 17.24% to 29.24%. It makes one of the longest 0% APR offers in the market.

Plus, it becomes much easier to pay off your debts over time without worrying about high-interest rates kicking in and making it difficult to manage your finances.

The Wells Fargo Reflect® Card also comes with no annual fee and access to 24/7 online banking services.

You can use this service to check your account balance and make payments whenever you want, which makes managing your finances even easier.

Other features and benefits

Besides the amazing APR offer, the Wells Fargo Reflect® Card doesn’t have much more to offer.

This card doesn’t come with rewards, so, in the long term, it might not be so interesting to keep in your wallet.

Like the other Wells Fargo cards, the Wells Fargo Reflect® Card is packed with some services:

  • Cell phone protection: Up to $600 to protect your device from thefts or damages if you pay using the Wells Fargo Reflect® to pay your phone bills (terms apply);
  • Roadside Dispatch®: 24/7 emergency services to the roadside (terms apply);
  • Access to “My Wells Fargo Deals: Get access to different merchants, such as dining, shop, and much more;
  • Zero Liability Protection.

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Wells Fargo Reflect® Card: should you get one?

happy young asian woman using mobile phone and credit card isola
Compare the pros and cons of the Wells Fargo Reflect® Card. Source: FreePik

Choosing a new credit card is not easy! You need to analyze every detail before applying! And with the Wells Fargo Reflect® Card is no different! Check this card’s pros and cons below:

Pros

  • Extended APR offer;
  • No annual fee;
  • Cell phone protection;
  • Easy application.

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Cons

  • No rewards.

Credit score required

With a good to excellent credit score, you could be eligible for the Wells Fargo Reflect® Card and its great benefits. Consequently, you’ll need a credit score of at least 690.

Wells Fargo Reflect® Card application: how to do it?

Discover how to make your finances more reflective with the Wells Fargo Reflect® Card. Find out how to apply in our post as follows – don’t miss this opportunity to shine a light on your wallet.

If you need a guide to The Wells Fargo Reflect® Card application, start here. Featuring no annual fees and a 0% intro APR offer, this card can be handy for you.

Apply online

Wells Fargo logo
Learn how to apply for the Wells Fargo Reflect® Card. Source: Wells Fargo

Before applying for the Wells Fargo Reflect® Card, it’s important to ensure your financial information is in order: Your current income, monthly expenses, and any existing debt.

It’s also a good idea to check your credit score before applying, as this will indicate whether you are likely to be approved.

Once your financial information is ready, head to the Wells Fargo website and select the “Apply Now” button.

It will then take you to a page where you can fill out the application form with your personal and financial information.

Make sure everything is filled out correctly—mistakes could delay or disqualify your application from being approved. After submitting your application, all that’s left is waiting for approval.

Apply using the app

There aren’t any options to apply for this card using their app. You must visit the website to complete your application.

However, the mobile app allows you to manage your credit card, make payments, and more! So it can be an excellent tool for those looking for convenience.

Wells Fargo Reflect® Card vs. Chase Freedom Unlimited®

Happy young woman sitting on the floor using laptop on gray background
Compare two cards before making a decision. Source: FreePik

These credit cards are great deals to pay off your debts. The Wells Fargo Reflect® Card is a basic card without rewards, but a very long 0% APR period, up to 21 months.

On the other hand, if you want a credit card with more than low APR, the Chase Freedom Unlimited® comes with no annual, up to 5% cash back, and has an intro APR period of 15 months. See the offers at a glance:

Wells Fargo Reflect® Card

  • Credit Score: Good – Excellent;
  • Annual Fee: $0 annual fee;
  • Regular APR: 0% intro APR for 18 months on purchases and eligible qualifying balance transfers. Plus, three months of intro APR extension with a one-time minimum payment in the intro period. Then, 17.24% to 29.24% variable APR; 
  • Welcome bonus: N/A;
  • Rewards: N/A;
  • Terms apply.

Chase Freedom Unlimited®

  • Credit Score: 690 or higher; 
  • Annual Fee: $0;
  • Regular APR: 0% intro APR for 15 months on purchases and balance transfers. After a variable APR of 18.74%–27.49% (terms apply);
  • Welcome bonus: Earn a $200 bonus after spending $500 on purchases in the first three months. Plus, 5% cash back on grocery store purchases (Target® and Walmart® not included) after spending up to $12,000 in the first year of account opening; 
  • Rewards: Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants and drugstore purchases, and 1.5% on all other purchases. 

In our post below, discover the easy steps to apply for Chase Freedom Unlimited®, an unbeatable credit card offering maximum rewards. Check it out!

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Application for the Chase Freedom Flex℠

One of the best benefits of a card is a good cash back rate. Learn how to apply for Chase Freedom Flex℠ and get a great rewards card!

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