Credit Cards
The Wells Fargo Reflect® Card Review: Your Financial Freedom
Complete analysis of the card that has unbeatable interest rates and does not charge an annual fee.
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0% intro APR for 21 months!
Wells Fargo Reflect® Card: A comprehensive review of the card that offers almost two years of interest-free, something not yet seen in the market.
Apply for Wells Fargo Reflect® Card: 0% intro APR
Here's what you need to get 21 months of 0% interest; find out how to apply for your Wells Fargo Reflect® Card. The article is fresh!
In this review, we will analyze the pros and cons of the Wells Fargo Reflect® Card so you can decide if this card is the best option for you.
| Credit Score | 660 or higher; |
| Annual Fee | No annual fee; |
| Purchase APR | 0% for 21 months, thereafter 18.24%, 24.74%, or 29.99% variable based on the U.S. Prime Rate; |
| Cash Advance APR | 29.99% variable based on the U.S. Prime Rate; |
| Welcome Bonus | None; |
| Rewards | None. |
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The ins and outs of the Wells Fargo Reflect® Card
The most striking thing about the Wells Fargo Reflect® Card review is, of course, its 0% introductory APR for 21 months on purchases and balance transfers.
This is a truly unique feature. Additionally, you get phone protection and security on your phone purchases.
It’s likely that the lack of a rewards program will be something you consider, but the Wells Fargo Reflect® Card is certainly a reward in itself.
Wells Fargo Reflect® Card: is it worth it?
All card users are looking for rewards programs, and the My Wells Fargo Deals program more than compensates for the lack of these features.
As a result, the card with its 21 months of no APR is almost perfect.
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Pros
- 0% APR for 21 months: After that, your APR will be 18.24%, 24.74%, or 29.99%, depending on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate;
- No annual fee: You won’t pay anything to use your Wells Fargo Reflect® Card;
- Purchase protection: Coverage in case of theft, loss, or damage. Extended warranty for products purchased with the Wells Fargo Reflect® Card;
- Security and protection: Phone insurance up to $600 against damage or theft. In addition, the Wells Fargo Reflect® Card guarantees that you will not be liable for unauthorized transactions;
- My Wells Fargo Deals: The Program offers Wells Fargo credit cardholders discounts and special offers at a variety of stores and restaurants. These discounts can be considered a form of cashback, as they allow you to save money on your purchases.
Cons
- Variable APR after the introductory period: The variable APR after the introductory period can be disadvantageous for cardholders who are unable to pay their balance in full before the end of that period.
- No rewards: The Wells Fargo Reflect® Card does not offer traditional rewards, such as points or miles that can be redeemed for rewards. Instead, the card offers the My Wells Fargo Deals program, which offers Wells Fargo credit cardholders discounts and special offers at a variety of stores and restaurants.
- High cash advance APR: If you need to withdraw cash with your Wells Fargo Reflect® Card, it is important to be aware of the high-interest rate that will be charged.
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Credit score requirements for card application
The Wells Fargo Reflect® Card has a credit score requirement of 660 or higher.
This means that you have a good credit history and are considered a low-risk borrower.
If you have a credit score of 660 or higher, you have a good chance of being approved for the card.
Ready to apply? Here’s how to get the Wells Fargo Reflect® Card
Now that you’ve learned more about this relatively new option on the market, learn everything you need to know to apply for your Wells Fargo Reflect®.
We’ve made it easy for you to understand the 21 months of no APR, so read on!
Apply for Wells Fargo Reflect® Card: 0% intro APR
Here's what you need to get 21 months of 0% interest; find out how to apply for your Wells Fargo Reflect® Card. The article is fresh!
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