Wells Fargo Reflect Card full review

Wells Fargo Reflect® Card offers a generous 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers.

Read on to learn more about the Wells Fargo Reflect® Card

Wells Fargo is serving customers since 1852. Back then, its founders—Henry Wells and William G. Fargo—built an innovative start-up to help customers build businesses and manage money in a rapidly changing world.

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The bank has been helping people go further, as the bank itself describes “from exchanging gold coins for paper checks to enabling online transactions”.

Now, by becoming a Wells Fargo customer through the Wells Fargo Reflect® Card, you have benefits such as:

  • $600 of cell phone protection against damage or theft.
  • 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them.
  • Access to personalized deals from a variety of merchants through My Wells Fargo Deals.
  • Built-in protection features ensure that you won’t be held responsible for any unauthorized transactions, as long as they’re reported promptly.

If these aspects seem interesting to you, apply for your card now.

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How Wells Fargo Reflect® Card will work

After you apply for the Wells Fargo Reflect® Card, you will have 18 months of 0%, and potentially 21. But you need to make sure you meet the basic requirement to earn those extra 3 months.

That is to say, you will have to make at least a minimum monthly payment during the introductory period. 15.99% to 27.99% variable APR thereafter.

Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a balance transfer fee of up to 5%, min $5 applies. You can request a balance transfer when you submit a credit card application, which will be subject to approval.

If you are approved for a balance transfer, the amount will be issued up to your available credit limit and will include any balance transfer fees. If you have multiple balance transfer requests, then the largest balance transfer request will be processed first.

Additionally, for those who are traveling, it is important to know that there is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. As mentioned earlier, the Wells Fargo Reflect® Card has no annual fee.

Cardholder benefits

Cell phone protection

No one is safe from losing or having their cell phone stolen. And to make matters worse, today it is customary to keep almost everything related to our lives on cell phones.

With this in mind, the Wells Fargo Reflect® Cardholder has a $600 cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

You’ll be able to file up to two claims per year for up to $1,200 in annual coverage.

Roadside Dispatch®

Another benefit thinking of emergencies you may face. This is a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them.

My Wells Fargo Deals

An easy way to earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience is simply by using your eligible Wells Fargo Credit Card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.

Zero Liability protection

Built-in protection features ensure that you won’t be held responsible for any unauthorized transactions, as long as they’re reported promptly

So, what would be the downsides of this card?

If you use the card outside the United States: a 3% foreign transaction fee when traveling outside the U.S.

There is no ongoing rewards program or rewards-based welcome bonus.

I want to know how to apply for the Wells Fargo Reflect® Card

Anyone seeking a balance transfer card will likely appreciate that the Wells Fargo Reflect® Card offers a generous 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers.

Cardholders that need to keep interest at bay for as long as possible on not only their previous balance but any new purchases coming their way will find the Wells Fargo Reflect Card one of the most worthwhile options out there.

So, if this has to do with your current financial profile, tap on the green button to find out more.

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How to Apply

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