The Wells Fargo Reflect Credit Card is an excellent choice for those seeking flexibility and savings in financial transactions. With a 0% introductory APR offer for 21 months on qualified purchases and balance transfers, it stands out among the available options in the market.
Additionally, the card has no annual fee, allowing users to enjoy its benefits without extra costs. With features like cell phone protection and roadside assistance, the Wells Fargo Reflect ensures security and convenience in everyday life.
Continue reading to discover more details about the issuer, fees, and how to apply for your card to take advantage of all the benefits it can offer.
About the Issuer
Wells Fargo is one of the largest financial institutions in the United States, with a history of over 160 years. Founded to meet the banking needs of the American population, the bank is synonymous with tradition and trust in the financial sector.
Currently, Wells Fargo offers a wide range of products, such as credit cards, loans, investments, and checking accounts. Its commitment is to provide financial solutions that meet each client’s specific needs.
With a solid reputation, Wells Fargo is known for its customer-centric approach. The company’s mission is to help people achieve their financial goals by promoting security and convenience. This dedication reinforces the trust of millions of consumers across the country.
Benefits of the Card
0% Introductory APR for 21 Months: Enjoy a 21-month period with 0% interest on qualified purchases and balance transfers, ideal for saving on large purchases.
No Annual Fee: The card offers the advantage of no annual fee, allowing you to enjoy all the benefits without additional costs.
Cell Phone Protection: When you pay your cell phone bill with the card, you receive protection of up to $600 against damage or theft of the device.
Roadside Assistance: Includes emergency vehicle services, such as towing, tire change, and assistance in case of a lockout, offering support in unexpected situations.
Personalized Offers: With the My Wells Fargo Deals program, you get exclusive discounts at a variety of establishments and services.
Free Credit Reports Access: The card provides monthly access to your credit report, helping you monitor your financial health and credit score.
Payment Ease with the Wells Fargo App: Track your expenses and make payments easily and conveniently through the Wells Fargo app.
Fees and Charges of the Wells Fargo Reflect Credit Card
The card offers a 0% introductory APR for 21 months on qualified purchases and balance transfers. After this period, the variable APR will be determined based on the cardholder’s creditworthiness.
Transfers made within the first 120 days incur to a 3% fee of the transferred amount; after this period, the fee increases to 5%.
Note: Fees and conditions may change without notice. Check for updated information on Wells Fargo‘s official website before applying.
Credit Limit
The credit limit of the Wells Fargo Reflect Card starts at $1,000 but can be adjusted based on the credit analysis. The approved amount depends on factors such as your credit score, financial history, and income.
This limit may be reviewed periodically by the bank, based on the card’s usage and credit score. If your limit is adjusted, you will be notified of the change. It’s important to maintain a good payment history so that the bank considers increasing your limit.
Positive points
- Extended 0% APR Period:Great for balance transfers and large purchases.
- No Annual Fee:A benefit for those looking to save.
- Extra Benefits:Includes cell phone protection and roadside assistance.
Negative points
- No Rewards Program:Does not earn points or cashback on purchases.
- Balance Transfer Fees:A fee of 3% to 5% applies to balance transfers.
- High Credit Requirements:Requires a good credit history for approval.
How to Apply for the Wells Fargo Reflect Credit Card
- Go to the official bank website;
- Find the credit card section;
- Select the Wells Fargo Reflect credit card;
- Click “Apply Now”;
- Fill out the form with your personal and financial information;
- Accept the terms and conditions;
- Submit your application for review.
How to Contact Wells Fargo
For support related to the Wells Fargo Reflect credit card:
- Phone: 1-800-642-4720 (available 24/7).
- Online Chat: Available on the official bank website.
The Wells Fargo Reflect credit card is an amazing option for those who want to save on fees and enjoy additional benefits. Apply for yours now to take advantage of all the benefits it offers!