Wells Fargo Reflect℠ Card Review – 0% Intro APR for up to 21 Months

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Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Overview

If you are looking for a 0% interest credit card, Wells Fargo Reflect℠ Card is an ideal no-annual-fee 0% VISA card. It offers 0% interest on purchases and qualifying balance transfers for up to 21 months from account opening. In addition, it has no annual fee and has low transaction fees for balance transfers. All of the features make Wells Fargo Reflect Card one of the best 0% interest credit cards available for U.S. consumers.

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
  • $0 Annual Fee
  • 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).
  • Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
up to 21 months from account opening
Regular APR
14.49% - 26.49% Variable
Annual Fee (rates & fees)
$0

Card Benefits

0% Intro APR

Wells Fargo Reflect Card, formerly Wells Fargo Platinum Visa Card, offers 0% intro APR for up to 21 months from account opening. You will initially enjoy 0% interest on purchases and qualifying balance transfers for 18 months from account opening. You will then receive an intro APR extension of up to 3 months if you make on-time minimum payments during the intro and extension periods, which makes the maximum 0% intro period to be 21 months. After the introductory period, the go-to rate of 14.49% - 26.49% variable applies.

With 0% introductory interest on purchases, you can make expensive purchases now and pay off credit-card balance 21 months later. As long as you make minimum payments shown on your credit-card statements every month, you will not have to pay any interest or fees for 21 long months.

Furthermore, you can have 0% interest on balance transfers made within the first 120 days, which means that you can transfer existing balance of other credit cards to your Wells Fargo Reflect Card. In this way, you can save money on interest fees by paying off current credit-card balance now. And you can then pay no interest for up to 21 introductory months on the Wells Fargo Reflect Card.

Savings on Balance Transfers

For each balance transfer, there is a one-time transaction fee. If you transfer balances within 120 days from account opening, the introductory balance transfer fee is 3% of the amount of each balance transfer, with a minimum fee of $5. After the 120-day introductory period, you pay up to 5% for each balance transfer, with a minimum of $5. The balance transfer fees of Wells Fargo Reflect Card are among the lowest of balance-transfer credit cards.

For instance, if you carry a balance of $10,000 on a credit card that has an interest rate of 25%, you can sign up for a Wells Fargo Reflect Card to request a transfer to save about $4,075. The potential interest fees on the current credit-card balance is about $4,375 for 21 months. And the transaction cost is $300 to do the balance transfer in the first 120 days. Therefore, the net savings is about $4,075. You can use our balance transfer calculator to find out how much you can save on balance transfers.

Potential Interest for 21 months$4,375.00
Balance Transfer Fee$300.00
Net Savings$4,075.00
Wells Fargo Platinum Balance Transfer Calculation

Complimentary Cellular Telephone Protection

Cardholders can enjoy complimentary Cellular Telephone Protection provided by Wells Fargo, which reimburses account holders for damage to or theft of cell phones. Just use your Wells Fargo Reflect Card to pay monthly cell phone bills, and you will get up to $600 of protection against covered damage or theft. It reimburses you for the cost of the repair or replacement of your original cell phone. You can have a maximum benefit limit of $600 per claim, less a $25 deductible, and $1,200 per 12 month period.

Fees

Wells Fargo Reflect Card has no annual fee, which means there is no cost to keep the card. But for purchases that you make when you travel abroad, there are 3% foreign transaction fees. It is typical for no-annual-fee credit cards to have 3% surcharges on foreign purchases.

Required Credit Rating

Wells Fargo Reflect Card is a 0% APR card for people with good or excellent credit rating. If you have a credit score of 700 or more, you may qualify for the credit card.

Is this the right card for you?

Wells Fargo Reflect Card is best for people to save money with its 0% interest offer for a long introductory period of up to 21 months. In addition, it has no annual fee and a low transaction fee for balance transfers, which makes it one of the top 0% interest cards. Moreover, card members will receive free Cellular Telephone Protection for damaged or stolen cell phones, up to $600 for repairing or replacing your original cell phone per claim. In conclusion, these benefits make Wells Fargo Reflect Card an ideal 0% credit card to borrow money without worrying about interest fees.

Similar 0% Interest Credit Cards

If you are interested in the Wells Fargo Reflect Card, you may also consider the following 0% interest credit cards with similar benefits.

0% Interest for 18 Months or Longer

Credit Card0% Introductory InterestAnnual Fee
BankAmericard Credit Card

BankAmericard® credit card

0% on purchases and qualifying balance transfers for 18 billing cycles$0
U.S. Bank Visa Platinum Card

U.S. Bank Visa® Platinum Card

0% on purchases and balance transfers for 20 billing cycles$0
Citi Simplicity Card

Citi Simplicity® Card

0% on purchases for 12 months and on qualifying balance transfers for 21 months$0
Citi Diamond Preferred Card

Citi® Diamond Preferred® Card

0% on purchases for 12 months and on qualifying balance transfers for 21 months$0
Citi Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

0% on balance transfers for 18 months$0

0% Interest for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Active Cash Card

Wells Fargo Active Cash® Card

0% on purchases and qualifying balance transfers for 15 months from account opening
(rates & fees)
$0
(fees)
Bank of America Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

0% on purchases and qualifying balance transfers for 15 billing cycles$0
Bank of America Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card

0% on purchases and qualifying balance transfers for 15 billing cycles$0
Citi Custom Cash Card

Citi Custom Cash℠ Card

0% on purchases and balance transfers for 15 months$0
Bank of America Travel Rewards Credit Card

Bank of America® Travel Rewards credit card

0% on purchases for 15 billing cycles$0
Citi Rewards+ Card

Citi Rewards+® Card

0% on purchases and balance transfers for 15 months$0
Blue Cash Everyday Card from American Express

Blue Cash Everyday® Card from American Express

0% on purchases for 15 months
(rates & fees)
$0
(fees)
Chase Freedom Unlimited

Chase Freedom Unlimited®

0% on purchases and balance transfers for 15 months$0

0% Interest for 12 Months

Credit Card0% Introductory InterestAnnual Fee
U.S. Bank Altitude Go Visa Signature Card

U.S. Bank Altitude Go Visa Signature Card

0% on purchases and balance transfers for 12 billing cycles$0
Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express

0% on purchases for 12 months
(rates & fees)
$95
(fees)

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