Wells Fargo Reflect Card full review
The Wells Fargo Reflect® Card provides a 0% introductory APR for 18 months starting from the time the account is opened, applicable to purchases and qualifying balance transfers.
Discover the Features of the Wells Fargo Reflect® Card
For over 150 years, Wells Fargo has been dedicated to helping customers build businesses and manage their money. Since its inception in 1852, it has transformed from a gold coin and paper check exchange to a leading provider of online financial transactions.
The Wells Fargo Reflect® Card offers customers various benefits:
- Cell phone protection of up to $600 against damage or theft
- 24/7 emergency roadside assistance, towing, and locksmith services
- Access to personalized deals through My Wells Fargo Deals
- Built-in protection against unauthorized transactions
If you find these features appealing, apply for your card today.
How the Wells Fargo Reflect® Card Works
Upon approval of your Wells Fargo Reflect® Card application, you will enjoy 0% intro APR for 18 months, and potentially up to 21 months. However, you must meet the basic requirement of making a minimum monthly payment during the introductory period to qualify for the extra 3 months.
After the introductory period, the variable APR ranges from 15.99% to 27.99%. Balance transfers made within 120 days qualify for the intro rate and fee of 3%, with a subsequent balance transfer fee of up to 5%, with a minimum of $5.
If you request a balance transfer and it is approved, the amount will be issued up to your available credit limit, inclusive of any balance transfer fees. Multiple balance transfer requests will be processed based on the largest balance transfer amount first.
Travelers should note that there is a 3% foreign currency conversion fee for each transaction converted to U.S. dollars. The Wells Fargo Reflect® Card does not have an annual fee.
Cardholder Benefits
Cell Phone Protection
With the increasing reliance on smartphones and the potential loss or theft of these devices, the Wells Fargo Reflect® Cardholder enjoys up to $600 in cell phone protection when paying the monthly cell phone bill with the eligible Wells Fargo card. A $25 deductible applies, and cardholders can file up to two claims per year, with a maximum annual coverage of $1,200.
Roadside Dispatch®
For emergencies on the road, the Wells Fargo Reflect® Card provides access to a 24/7 on-demand referral dispatch network. This service offers emergency roadside assistance, towing, and locksmith services.
My Wells Fargo Deals
Cardholders can earn cash back in the form of a statement credit through My Wells Fargo Deals. By using the eligible Wells Fargo Credit Card, they gain access to personalized deals from various merchants while shopping, dining, or enjoying a new experience.
Zero Liability Protection
The Wells Fargo Reflect® Card provides built-in protection against unauthorized transactions. As long as you report any unauthorized transactions promptly, you won’t be held responsible.
Potential Downsides of the Card
Cardholders should be aware that using the Wells Fargo Reflect® Card for international transactions incurs a 3% foreign transaction fee. Moreover, the card does not offer an ongoing rewards program or a rewards-based welcome bonus.
How to Apply for the Wells Fargo Reflect® Card
Individuals looking for a balance transfer card will find the Wells Fargo Reflect® Card appealing due to its generous 0% intro APR for 18 months on purchases and qualifying balance transfers. Those seeking to minimize interest on both existing balances and new purchases will find this card to be a worthwhile choice.
If this card aligns with your financial needs, click the green button to learn more and begin your application process.
