Learn how to apply for the Wells Fargo Reflect Card
Subtitle: Enjoy a 0% introductory APR on purchases and qualifying balance transfers for 18 months from account opening, along with a 0% annual fee.
Exploring the Wells Fargo Reflect Card: What’s Next?
If you’re interested in the Wells Fargo Reflect Card, there are a few steps you can take to apply and start enjoying its benefits. This credit card provides a great advantage for purchases and qualifying balance transfers within an 18-month period from account opening, with a 0 percent APR. However, it’s important to note that transfers must be made within your first 120 days. The good news is that if you make at least minimum payments on time each month, you can extend this period to 21 months.
In addition to the introductory APR offer, the Wells Fargo Reflect Card offers additional features and benefits:
- Cell phone protection
- Emergency roadside assistance, towing, or locksmith service
- Access to personalized deals from a variety of merchants
- Built-in protection features to ensure you won’t be held responsible for any unauthorized transactions
One of the advantages of the Wells Fargo Reflect Card is that it is relatively low-cost for a credit card focused on balance transfers. While there is no annual fee, it’s important to be aware of the 3% foreign currency conversion fee for transactions made abroad. Additionally, any remaining balance that is not paid by the due date will incur interest unless your purchases are subject to a limited-time introductory or promotional 0% APR.
Who is Eligible for the Wells Fargo Reflect Card?
To qualify for the Wells Fargo Reflect Card, you’ll generally need a credit score of 660 or higher. This card is designed for cardholders who are looking for a lengthy break from interest charges and need to finance their purchases without accruing interest for up to 18 months.
How to Apply for the Wells Fargo Reflect Card
There are two ways to apply for the Wells Fargo Reflect Card. Let’s explore both options:
1. Applying Online
If you prefer to apply online, you can visit the official Wells Fargo Bank website and click on the “Apply Now” button. This will prompt a form to appear, which you can fill out with your personal, financial, and contact information. You also have the option to sign on for a faster-prefilled application if you’re already a Wells Fargo Online customer. Here is the link: https://creditcards.wellsfargo.com/reflect-visa-credit-card/
2. Applying by Phone
If you prefer to speak to a person, you can apply for the Wells Fargo Reflect Card by phone. Simply call 1-800-967-9521 for Wells Fargo Visa Credit Cards, and a representative will assist you with the application process.
Is the Wells Fargo Reflect Card Worth It?
As with any credit card, whether the Wells Fargo Reflect Card is worth it depends on your goals and needs. If you’re looking to avoid interest charges and want a longer break from interest, then the 18-month 0% intro APR on purchases and qualifying balance transfers can be highly beneficial. The cell phone protection feature can also be a helpful perk. However, if you frequently travel abroad, it’s important to consider the foreign transaction fees.
Comparing the Wells Fargo Reflect Card and NAB Qantas Rewards Premium Credit Card
For those interested in accumulating points for travel and shopping, the NAB Qantas Rewards Premium Credit Card might be a suitable option. This card allows you to earn 1 point per $1.50 spent (or approximately 0.66 points per $1) on the first $3,000 spent per statement period, and 1 point per $3 on the next $3,000. These points can be directly redeemed via Qantas Frequent Flyer for a range of rewards, including flights, shopping, and accommodation.
While the NAB Qantas Rewards Premium Credit Card offers a 0% p.a. balance transfer offer for 12 months, it has a shorter period compared to the Wells Fargo Reflect Card. Additionally, the NAB Qantas card offers a wider range of insurances, including international travel insurance, interstate flight inconvenience insurance, transit accident insurance, rental vehicle excess in Australia insurance, purchase protection insurance, and extended warranty insurance.
Ultimately, the choice between the Wells Fargo Reflect Card and NAB Qantas Rewards Premium Credit Card depends on your preferences and priorities.
Wells Fargo Reflect Card Pros:
- 0% intro APR for 18 months on purchases and qualifying balance transfers
- No annual fee
- Cell phone protection up to $600
NAB Qantas Rewards Premium Credit Card Pros:
- Earn 70,000 bonus Qantas Points when you spend $2,000 on everyday purchases within 60 days of account opening
- Earn 1 Qantas Point per $1.50 on eligible purchases for the first $3,000 spent
- Additional cardholder at no extra cost
- Range of complimentary insurance covers
