Wells Fargo Reflect℠ Card

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5. $0 Annual Fee. Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card. Select “Apply Now” to learn more about the product features, terms and conditions.

Nav's Verdict

Cost
50% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
80% Complete
PoorGood
Features
70% Complete
PoorGood

9/10

Bottom Line

A well rounded offering with no annual fee and an excellent intro APR period

Pros

Excellent intro APR period

Cons

Limited cash back opportunities

Rates and Fees
Intro APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
Purchase APR
12.99%-24.99% Variable APR
Annual Fee
$0
Welcome Offer
N/A
Rewards Rate
N/A
Foreign Transaction Fee
3%

Reviews

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