The Wells Fargo Reflect Card is an excellent choice for those who want to manage their finances with ease and take advantage of one of the longest introductory APR periods available. This card offers a generous 0% intro APR for 21 months on both purchases and qualifying balance transfers, making it an ideal option for those looking to pay down debt or finance large purchases over time. With no annual fee and a suite of additional benefits, the Wells Fargo Reflect® Card provides a solid financial tool that caters to various needs.
Benefits of Wells Fargo Reflect
- 0% Intro APR for 21 Months: Enjoy 0% APR on purchases and qualifying balance transfers for 21 months from account opening.
- $0 Annual Fee: Access all the card’s benefits without paying an annual fee.
- Cellular Telephone Protection: Up to $600 in protection against damage or theft of your cell phone.
- Roadside Dispatch®: 24/7 access to emergency roadside assistance and towing services.
- My Wells Fargo Deals: Personalized cash-back deals from a variety of merchants.
- Zero Liability Protection: Protection against unauthorized transactions.
- Credit Close-Up℠: Track and understand your FICO® Score with personalized credit insights.
Detailed Benefits of the Wells Fargo Reflect® Card
One of the standout features of the Wells Fargo Reflect® Card is its exceptional 0% introductory APR period, which lasts for a full 21 months from the date of account opening. This extended period is one of the longest available in the market, providing a significant advantage for those who want to consolidate debt or make large purchases without worrying about interest charges during this time. After the introductory period, a variable APR of 18.24%, 24.74%, or 29.99% will apply, depending on your creditworthiness. Additionally, balance transfers made within the first 120 days from account opening will qualify for the introductory rate, giving you ample time to manage your finances effectively.
The card comes with no annual fee, allowing you to benefit from its features without any ongoing cost. This makes the Wells Fargo Reflect® Card an attractive option for those who want to keep their financial management costs low while still enjoying valuable benefits.
In terms of protection, the Wells Fargo Reflect® Card offers up to $600 in Cellular Telephone Protection against damage or theft, subject to a $25 deductible. This feature is particularly useful for those who rely heavily on their smartphones and want peace of mind knowing that they are covered in case of an accident or theft.
Others points about the card
Another valuable benefit is the Roadside Dispatch® service, which provides 24/7 access to emergency roadside assistance, towing, or locksmith services whenever you need them. This service can be a lifesaver in unexpected situations, ensuring that you are never left stranded on the road.
For those who enjoy shopping and dining, the My Wells Fargo Deals feature offers personalized deals from a variety of merchants. By simply using your Wells Fargo Reflect® Card, you can earn cash back as an account credit, making your everyday purchases even more rewarding.
Security is also a priority with the Wells Fargo Reflect® Card, as it includes Zero Liability Protection. This built-in feature ensures that you won’t be held responsible for unauthorized transactions, provided they are reported promptly. This added layer of protection gives you confidence in using your card for all your transactions.
Lastly, the Credit Close-Up℠ feature allows you to track and manage your FICO® Score with ease. This complimentary tool, available to Wells Fargo Online® customers, offers personalized credit insights and monthly FICO® Score updates, helping you stay informed about your credit health without negatively affecting your score.
How to Apply
Applying for the Wells Fargo Reflect® Card is straightforward and can be done online. Simply visit the Wells Fargo website, fill out the required information on the application page, and submit your application. If you’re approved, you can start enjoying the benefits of your new card right away. For those interested in balance transfers, you can request a transfer during the application process or later through Wells Fargo Online. Keep in mind that balance transfers may take up to 14 days to process and are subject to your available credit limit.
