The Wells Fargo Reflect card is an excellent option for those looking to manage debts and make large purchases with ease and convenience. Accepted worldwide, you will have a complete financial experience.
With an impressive introductory period of 0% APR for 21 months on both balance transfers and purchases, this card stands out in the market by providing great savings to customers.
Additionally, it has no annual fee, making it even more attractive for those looking to save. Below, you can learn about all the benefits you will have access to if you apply and also get more information about the fees, check it out!
About the Issuer
Wells Fargo is a renowned financial institution with a history dating back to 1852. Over the years, the company has established itself as one of the leading banks in the United States, offering a wide range of financial products and services.
With over 70 million customers worldwide, Wells Fargo stands out for its solidity and reliability. The company has a constant commitment to innovation, always striving to provide the best solutions for its customers.
Moreover, Wells Fargo is known for its excellent customer service and transaction security, factors that make it a popular choice among consumers.
Benefits
0% Intro APR for 21 Months: The Wells Fargo Reflect offers one of the longest intro APR periods on the market. You can enjoy 0% APR on purchases and balance transfers for 21 months from account opening.
$0 Annual Fee: One of the main attractions of this card is the absence of an annual fee, meaning you can enjoy all the benefits without any additional yearly cost.
Cell Phone Protection: The card offers up to $600 in protection for your cell phone against damage or theft, with a $25 deductible per claim. This benefit is especially useful for those seeking greater security for their devices.
Access to Personalized Offers: With the My Wells Fargo Deals program, you can get access to personalized offers from various merchants, earning account credits when you shop, dine, or enjoy experiences using your card.
Security and Assistance: The Wells Fargo Reflect includes benefits like emergency card replacement and travel assistance, providing greater peace of mind for users.
Payment Flexibility: This card is perfect for those who need to plan payments for large expenses without worrying about immediate interest. Whether it’s an important purchase or an emergency, the Wells Fargo Reflect offers the necessary flexibility to manage your finances.
Competitive Balance Transfer Fee: Although there is a balance transfer fee of 5% (minimum $5), the long intro APR period can offset this cost, making it a viable option for those looking to consolidate high-interest credit card debt.
Wells Fargo Reflect – Fees and commissions
The Wells Fargo Reflect has no annual fee, making it an economical option for many users. However, there is a balance transfer fee of 5% (minimum $5) for each transfer made.
After the introductory period, the APR varies between 18.24%, 24.74%, or 29.99%, depending on your creditworthiness. Additionally, there is a foreign transaction fee of 3%, which can be a downside for frequent travelers.
In the event of a late payment, the bank charges a fee of $40, so it’s essential to use your card wisely to avoid this charge.
Card limit
The credit limit of the Wells Fargo Reflect Visa is determined based on the individual credit analysis of the applicant. Although the bank does not disclose a fixed amount, applicants typically need a credit score of at least 670 to be considered.
This means the card is more accessible to those with good to excellent credit. After card approval, you may initially receive a lower limit, depending directly on your individual analysis.
But rest assured, after a period of responsible card use, paying bills on time, and maintaining a good relationship with Wells Fargo, it’s possible that the limit will be increased.
Positive points
- INTRODUCTORY APROne of the longest 0% APR periods on the market.
- NO ANNUAL FEENo annual costs to maintain the card.
- ADDITIONAL BENEFITSCell phone protection and roadside assistance.
Negative points
- NO REWARDS PROGRAMDoes not offer points, miles, or cashback.
- FOREIGN TRANSACTION FEE3% charge on overseas transactions.
- NO WELCOME BONUSDoes not offer a bonus for initial spending.
How to apply for Wells Fargo Reflect
- Visit the Wells Fargo website;
- Go to the Wells Fargo Reflect card page;
- See everything it can offer and click on “Apply now”;
- Fill out the application form with your personal information;
- Submit the application and wait for the bank’s response.
How to contact Wells Fargo
For assistance or more information about the Wells Fargo Reflect, you can contact Wells Fargo customer service through the following means:
- Phone: 1-800-967-9521
- Website: Visit the official Wells Fargo website and check the frequently asked questions
- In Person: Go to a bank branch
If you are looking for an effective way to manage your debts or finance large purchases without worrying about exorbitant interest rates, the Wells Fargo Reflect is the ideal choice. Don’t miss this opportunity! Apply for your card today and start enjoying all the benefits offered.
