Reflect℠ from Wells Fargo Review

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

Wells Fargo Reflect℠
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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
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We recommend more cards

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

Compare with other cards

Low income
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
4.06 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 3%
    Cash Back on Home, Auto and Health categories.
  • None
    Purchase Intro APR
Apply now
On Upgrade‘s website
Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
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4.27 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
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Travel, Daily use
Venture Rewards Capital One
Capital One Venture Rewards Credit Card
3.43 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $95
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5x
    Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

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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