USES

Reflect℠ from Wells Fargo Review

Reflect℠ from Wells Fargo — all information about the credit card.

Updated October 15, 2024
Advertiser Disclosure Our Methodology
Wells Fargo Reflect℠
Apply now
Our Rating:
3.75 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Intro APR for 21 months from account opening
  • Regular APR:
    18.24% - 29.99% Variable
  • Balance Transfer APR:
    18.24% - 29.99% Variable
Show more

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All benefits

  • Travel
    • Roadside Dispatch®:
    • A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them.
    • ​Cell phone protection:
    • 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).

Rate and fee information

  • Purchase Intro APR
    • 0% Intro APR for 21 months from account opening
  • Purchase APR
    • 18.24% - 29.99% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for 21 months from date of account opening, with an extension of the introductory APR of up to 3 months if you make at least the minimum payment by the payment due date during the introductory and extension periods
  • Balance Transfers APR
    • 18.24% - 29.99% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • Foreign Transaction Fee

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • Payment Flexibility
  • Fraud Protection
  • Good Credit
  • Excellent Credit

About the issuer

Wells Fargo
Wells Fargo has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Recommended credit score
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    Regular APR
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    Purchase Intro APR
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    Annual Fee
  • 17.99% - 27.99%
    Regular APR
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    Purchase Intro APR
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    Annual Fee
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    Regular APR
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    Earn 1% cash back rewards on payments made to your First Access Credit Card.
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    Purchase Intro APR
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See Another Credit Cards in the Bank

Wells Fargo Reflect℠ is an option for those, who need Classic features. With an APR of 18.24% - 29.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Wells Fargo Reflect℠ you will get such features as 0% Intro APR, No Annual Fee, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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