Wells Fargo Reflect Card

The Wells Fargo Reflect® Card is a credit card designed to offer long-term financial flexibility.

With its 0% intro APR for 18 months on purchases and qualifying balance transfers, this card is perfect for individuals who need to make a large purchase or transfer a balance and want to pay it off over time without incurring interest.

After the introductory period ends, the APR for purchases and balance transfers will be 14.74% to 24.74% variable, depending on your creditworthiness.

About Wells Fargo

Wells Fargo is one of the largest and most well-established financial institutions in the United States.

Founded in 1852, the company provides a comprehensive range of services, including banking, investments, mortgages, and credit cards.

With a strong reputation for customer service and innovation, Wells Fargo operates in over 30 countries and is trusted by millions of customers worldwide.

Wells Fargo’s credit card offerings include a variety of products designed to cater to different financial needs.

Who is this card for?

• Individuals looking for an introductory APR offer: If you need to finance a large purchase or transfer high-interest debt from another credit card, the 0% intro APR for 18 months makes this card highly appealing. After the introductory period, it still offers a competitive APR.
• People who want to consolidate debt: This card is ideal for balance transfers, as it offers no introductory balance transfer fee for the first 120 days (on transfers made within the first 120 days), helping you save on interest as you pay off existing debt.
• Those who prefer a no-annual-fee card: With no annual fee, this card provides the flexibility to use it for a variety of financial needs without worrying about extra costs.
• Tech-savvy individuals: If you enjoy managing your account through your phone, the Wells Fargo mobile app provides seamless access to your account details, payments, and other important financial tools.

Card Advantages

• 0% Intro APR on Purchases and Balance Transfers: One of the most significant features of this card is its 0% introductory APR for 18 months on both purchases and qualifying balance transfers. This makes it an ideal card for those looking to make large purchases or transfer a balance from a high-interest credit card and pay it off over time without interest.
• No Annual Fee: The Wells Fargo Reflect® Card comes with no annual fee, making it an affordable option for users who want a credit card with valuable features without paying an annual fee.
• Introductory Balance Transfer Fee: For the first 120 days, there is a 0% balance transfer fee on any transfers made, which is a significant savings compared to cards that charge a standard balance transfer fee. After 120 days, a fee of 3% applies (or 5% for transfers made after the intro period).
• Long-Term APR Flexibility: After the 18-month introductory period, the APR for purchases and balance transfers will transition to a variable APR ranging from 14.74% to 24.74%, based on your creditworthiness. While this rate may vary, it remains competitive compared to other credit cards with similar features.
• Cell Phone Protection: If you pay your cell phone bill with the Wells Fargo Reflect® Card, you are eligible for cell phone protection. This benefit covers the cost of repairs or replacement if your phone is damaged or stolen. This is a great added value for those who rely heavily on their phones.
• Access to Wells Fargo’s Mobile App: Managing your account is easy with the Wells Fargo mobile app, where you can track purchases, make payments, and even monitor your balance transfer progress. The app allows you to stay on top of your finances wherever you go.
• Fraud Protection: With zero liability fraud protection, you won’t be held responsible for any unauthorized transactions made with your card. This ensures that you can use your card with peace of mind, knowing that your purchases are protected.

Additional Benefits

• No Foreign Transaction Fees: The Wells Fargo Reflect® Card charges no foreign transaction fees, making it a solid choice for travelers who want to avoid extra costs when making purchases abroad.
• Access to Special Offers: Cardholders can take advantage of exclusive offers and discounts available through the Wells Fargo Rewards program, which can include travel deals, merchandise, and more.
• Wells Fargo Rewards® Program: If you also choose to enroll in Wells Fargo’s Rewards® Program, you can earn points on everyday purchases, which can be redeemed for cash back, gift cards, or even travel. This adds more value to your card, especially for those who are already part of Wells Fargo’s ecosystem.

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