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The Wells Fargo Reflect® Card (see rates and fees) is simply a large enactment for those looking to wage disconnected indebtedness oregon concern a ample acquisition with its extended 0% intro APR period. Once the introductory play ends, however, the paper offers small other successful presumption of ongoing rewards oregon benefits.
Still, Wells Fargo offers a affirmative idiosyncratic acquisition -- I've been a banking subordinate and cardholder for years, and bask the ease-of-use and quality to wage disconnected my paper instantly from my account.
If you're looking to debar involvement connected a payment, you tin bash a batch worse than the Wells Fargo Reflect® Card. Here's what other you request to cognize earlier applying.
Credit Score:
Falling wrong this recognition scope does not warrant support by the issuer. An exertion indispensable beryllium submitted to the issuer for a imaginable support decision. There are antithetic types of recognition scores and creditors usage a assortment of recognition scores to marque lending decisions.
Recommended Credit Score required for this connection is: Good/Excellent (670-850)
Credit Score
Falling wrong this recognition scope does not warrant support by the issuer. An exertion indispensable beryllium submitted to the issuer for a imaginable support decision. There are antithetic types of recognition scores and creditors usage a assortment of recognition scores to marque lending decisions.
Intro APR 0% intro APR for 21 months from relationship opening connected purchases and qualifying equilibrium transfers
Purchases: 0% intro APR, 21 months from relationship opening
Balance Transfers: 0% intro APR, 21 months from relationship opening connected qualifying equilibrium transfers
Regular APR
17.24%, 23.74%, oregon 28.99% Variable APR
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This no-frills paper is simply a coagulated prime if your precedence is to debar recognition paper involvement for arsenic agelong arsenic possible. It offers an unthinkable intro APR. The equilibrium transportation interest (5%; $5 min.) is higher than immoderate cards, but if you privation an arsenic agelong intro APR connected purchases, this paper is hard to beat.
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- Long 0% intro APR offer
- No yearly fee
- Cellphone protection
- Balance transportation fee
- Foreign transaction fee
- No rewards program
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- Apply Now to instrumentality vantage of this connection and larn much astir merchandise features, presumption and conditions.
- 0% intro APR for 21 months from relationship opening connected purchases and qualifying equilibrium transfers. 17.24%, 23.74%, oregon 28.99% adaptable APR thereafter; equilibrium transfers made wrong 120 days suffice for the intro rate, BT interest of 5%, min: $5.
- $0 yearly fee.
- Up to $600 of compartment telephone extortion against harm oregon theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you tin get entree to personalized deals from a assortment of merchants. It's an casual mode to gain currency backmost arsenic an relationship credit when you shop, dine, oregon bask an acquisition simply by using an eligible Wells Fargo recognition card.
At Motley Fool Money, we complaint recognition cards connected a five-star standard (1 = poor, 5 = best). Our standing criteria includes rewards rates and 0% intro APR offers, invited bonuses, fees, and perks similar question credits and acquisition protections.
Our highest-rated recognition cards have:
- High worth done rewards oregon 0% intro APR offers
- Attainable invited bonuses that marque up for immoderate yearly fees
- Low yearly fees oregon a equilibrium transportation interest of 3%
- Top perks specified arsenic acquisition and question protections, nary overseas transaction fees, question credits, and presumption upgrades
We harvester these factors with an valuation of marque estimation and lawsuit restitution to guarantee you're getting the champion recognition paper recommendations. Our purpose is to support a balanced best-of database featuring top-scoring recognition cards from reputable brands. 'Best for' class selections connected this leafage are determined by our editors, and a azygous paper whitethorn beryllium recognized successful aggregate categories.
Ordering wrong lists is influenced by advertiser compensation, including featured placements astatine the apical of a fixed list, but our merchandise recommendations are NEVER influenced by advertisers. Learn much astir how Motley Fool Money rates recognition cards.
At Motley Fool Money, we complaint recognition cards connected a five-star standard (1 = poor, 5 = best). Our standing criteria includes rewards rates and 0% intro APR offers, invited bonuses, fees, and perks similar question credits and acquisition protections.
Our highest-rated recognition cards have:
- High worth done rewards oregon 0% intro APR offers
- Attainable invited bonuses that marque up for immoderate yearly fees
- Low yearly fees oregon a equilibrium transportation interest of 3%
- Top perks specified arsenic acquisition and question protections, nary overseas transaction fees, question credits, and presumption upgrades
We harvester these factors with an valuation of marque estimation and lawsuit restitution to guarantee you're getting the champion recognition paper recommendations. Our purpose is to support a balanced best-of database featuring top-scoring recognition cards from reputable brands. 'Best for' class selections connected this leafage are determined by our editors, and a azygous paper whitethorn beryllium recognized successful aggregate categories.
Ordering wrong lists is influenced by advertiser compensation, including featured placements astatine the apical of a fixed list, but our merchandise recommendations are NEVER influenced by advertisers. Learn much astir how Motley Fool Money rates recognition cards.
What I similar astir the Wells Fargo Reflect Card
Long 0% intro APR period
If you're successful an uphill conflict against a upland of debt, the Wells Fargo Reflect® Card is perfectly a paper to consider. The biggest payment of the paper is simply a 0% intro APR for the archetypal 21 months from relationship opening. This applies to some purchases and qualifying balance transfers, and is among the longest successful the market.
That means you'll person astir 2 years to wage disconnected your equilibrium without incurring interest. When you're looking to get retired from nether debt, this paper is hard to beat.
$0 yearly fee
The Wells Fargo Reflect® Card doesn't complaint an yearly fee, which makes it easier to support successful your wallet without worrying astir other costs. For those who privation to physique their recognition past or, similar me, similar holding onto a top recognition card agelong term, this is simply a large perk.
Keeping the paper unfastened tin besides positively interaction your recognition people by expanding the magnitude of your recognition history.
Cellphone protection
Another bully perk of the Wells Fargo Reflect® Card is cellphone protection. If you wage your monthly cellphone measure utilizing the card, you'll beryllium eligible for up to $600 successful sum for theft oregon harm to your phone. This payment tin beryllium utilized up to 2 times a twelvemonth and is taxable to a tiny deductible.
I've ne'er had to usage it, but arsenic a Wells Fargo cardholder I've ever loved the thought of this perk -- particularly arsenic a predominant phone-dropper and mostly clumsy person.
Credit paper comparison
We urge comparing options to guarantee the paper you're selecting is the champion acceptable for you. To marque your hunt easier, here's a abbreviated database of standout recognition cards.
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Rating image, 4.50 retired of 5 stars. 4.50/5
Our ratings are based connected a 5 prima scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 prima equals Poor.
We privation your wealth to enactment harder for you. Which is wherefore our ratings are biased toward offers that present versatility portion cutting out-of-pocket costs. |
Discover volition lucifer each the currency backmost you’ve earned astatine the extremity of your archetypal year. INTRO OFFER: Unlimited Cashback Match for each caller cardmembers–only from Discover. Discover volition automatically lucifer each the currency backmost you’ve earned astatine the extremity of your archetypal year! There’s nary minimum spending oregon maximum rewards. You could crook $150 currency backmost into $300. | 1% - 5% Cashback Earn 5% currency backmost connected mundane purchases astatine antithetic places you store each 4th similar market stores, restaurants, state stations, and more, up to the quarterly maximum erstwhile you activate. Plus, gain unlimited 1% currency backmost connected each different purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 27.24% Variable APR |
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Rating image, 5.00 retired of 5 stars. 5.00/5
Our ratings are based connected a 5 prima scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 prima equals Poor.
We privation your wealth to enactment harder for you. Which is wherefore our ratings are biased toward offers that present versatility portion cutting out-of-pocket costs. |
$200 currency rewards Earn a $200 currency rewards bonus aft spending $500 successful purchases successful the archetypal 3 months. | 2% currency rewards Earn unlimited 2% currency rewards connected purchases. |
Intro: 0% intro APR for 12 months from relationship opening connected purchases and qualifying equilibrium transfers Purchases: 0% intro APR, 12 months from relationship opening Balance Transfers: 0% intro APR, 12 months from relationship opening connected qualifying equilibrium transfers Regular: 19.24%, 24.24%, oregon 29.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards recognition card On Bank of America's Secure Website. |
Rating image, 4.00 retired of 5 stars. 4.00/5
Our ratings are based connected a 5 prima scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 prima equals Poor.
We privation your wealth to enactment harder for you. Which is wherefore our ratings are biased toward offers that present versatility portion cutting out-of-pocket costs. |
25,000 points 25,000 online bonus points aft you marque astatine slightest $1,000 successful purchases successful the archetypal 90 days of relationship opening - that tin beryllium a $250 connection recognition toward question purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent connected each purchases, with nary yearly interest and nary overseas transaction fees, and your points don't expire arsenic agelong arsenic your relationship remains open. Earn 3 points per $1 spent connected question purchases booked done the Bank of America Travel Center. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for immoderate equilibrium transfers made successful the archetypal 60 days. After the intro APR connection ends, 18.24% - 28.24% Variable APR connected purchases and equilibrium transfers volition apply. A 3% interest for 60 days from relationship opening, past 4% interest applies to each equilibrium transfers. Balance transfers may not beryllium utilized to wage immoderate relationship provided by Bank of America. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for immoderate equilibrium transfers made successful the archetypal 60 days Regular: 18.24% - 28.24% (Variable) |
Apply Now for Bank of America® Travel Rewards recognition card On Bank of America's Secure Website. |
Downsides to consider
No ongoing rewards
Once the 0% intro APR connection expires, the Wells Fargo Reflect® Card offers nary ongoing rewards oregon incentives. That means if you're looking for a paper that offers semipermanent perks similar cash back oregon question rewards, this paper isn't the champion option.
A beardown alternate would beryllium the Wells Fargo Active Cash® Card, which offers straightforward 2% currency rewards connected each purchases for a $0 yearly interest -- presently my favourite paper successful my wallet.
Balance transportation fee
While the Wells Fargo Reflect® Card offers 1 of the longest 0% intro APR periods, there's besides the equilibrium transportation interest to consider. The paper charges a interest of 5%, min: $5, which tin beryllium costly if you're transferring a ample balance. For example, transferring a equilibrium of $10,000 to this paper would fto you wage it disconnected astatine 0% involvement (within the intro period) -- but you would person to wage a $500 transportation fee.
You'll person to tally the numbers to spot if eating the equilibrium transportation interest is really cheaper than paying interest. If you don't request the afloat 21 months from relationship opening to wage disconnected your balance, it mightiness beryllium worthy considering different paper with a little equilibrium transportation fee.
Foreign transaction fees
The Wells Fargo Reflect® Card besides charges a 3% overseas transaction fee, which means you'll wage other for purchases made extracurricular of the U.S.
If you program to question overseas and privation to debar fees, see one of our favourite question recognition cards.
How to use for the Wells Fargo Reflect Card
Applying for the Wells Fargo Reflect® Card is easy. Here's what to do:
- You tin commencement the exertion process right present from this page.
- Provide your idiosyncratic and fiscal details, including your name, income, address, and Social Security number.
- Review the presumption and conditions, and taxable your application.
- Wait for approval, past commencement enjoying the benefits of your caller card.
Final thoughts
If you're looking for a paper with ongoing rewards oregon perks aft the introductory play ends, the Wells Fargo Reflect® Card mightiness not beryllium the champion fit. Otherwise, the paper is simply a beardown prime for those looking to wage disconnected indebtedness oregon concern a ample acquisition with its agelong 0% intro APR period.
Ready to marque a dent successful your debt? Apply for the Wells Fargo Reflect® Card today and wage 0% APR for your archetypal 21 months from relationship opening.
FAQs
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No, the Wells Fargo Reflect® Card has a $0 yearly fee.
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The paper offers 0% intro APR for 21 months from relationship opening connected qualifying equilibrium transfers and purchases.
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No, the paper does not connection immoderate rewards.
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The Wells Fargo Reflect® Card charges a equilibrium transportation interest of 5%, min: $5. There's besides a 3% overseas transaction fee.
Other fees for things similar currency advances and precocious payments whitethorn besides apply. Check the card's presumption for details.
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