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Wells Fargo Reflect℠ Card full review: should you get it?

If you're trying to pay off debt and don't want to commit to a long 0% APR period, then the Wells Fargo Reflect℠ Card could be an option. Read our in-depth review to learn all about it!

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Wells Fargo Reflect℠ Card: feel peace of mind with a Zero Liability protection

Wells Fargo Reflect℠ Card
Check out the Wells Fargo Reflect℠ review. Source: Wells Fargo.

A credit card that does not charge interest. What you just read is no joke! With the Wells Fargo Reflect℠ Card, you’ll be worry-free about interest for nearly two years. Indeed, an excellent card for your pocket (and your cell phone too)!

Wells Fargo logo

Wells Fargo Reflect℠ Card: check out how to apply!

0% APR and $600 as insurance for your cell phone: learn how to apply for your Wells Fargo Reflect℠ credit card for these and other benefits.

So, learn more about this and other advantages of this credit card. Find out if this should be your newest credit card feature. Below is a summary of the main information about this product.

Credit ScoreFrom 690 to 850 (good or excellent)
Annual Fee$0
Regular APR0% for up to 21 months. 13.24%-25.24% after that period.
Welcome bonusNone
RewardsNone

Wells Fargo Reflect℠ Card: learn more about this financial product

Joyful young bearded man is showing a credit card on a red background.
Learn more about the card’s pros and cons! Source: Adobe Stock.

In fact, every year, the American people spend billions on credit card interest. In this scenario, the Wells Fargo Reflect℠ is an excellent option for anyone who needs relief from these charges for a long time.

When you receive your card, you are entitled to 0% interest for 18 months. During this period, if you make the minimum monthly payments on your card statement on time, you will have another 3 months of 0% APR.

Another extremely important feature is cell phone insurance. In fact, everyone uses this device all the time. That way, no one is free to break it. With the Wells Fargo Reflect℠ Card, this doesn’t have to be a headache.

Even if you’re looking for cards with 0% APR, look no further. Thus, the Wells Fargo Reflect℠ is the best option for the year 2022 in this regard, according to the companies “The Ascent” and “Nerdwallet”.

With an insurance of $600, you will be able to buy some of the most modern models available on the market. Quite a protection, don’t you think? However, these are not the only advantages of this credit card.

Another very important feature is the so-called “Zero Liability protection”. Through it, you will not be held responsible for purchases that you do not recognize. However, it is important that you report the incident immediately.

Wells Fargo Reflect℠ Card features

Below, learn about other pros and also some cons.

What are the benefits? 

  • $0 annuity fee;
  • 0% APR for almost two years;
  • $600 in insurance for your cell phone;
  • Access to Wells Fargo credit benefits on shopping, dining and more.

What are the drawbacks?

  • It does not have a rewards program;
  • No welcome bonus;
  • 3% fee on transactions abroad.

What credit score do you need to get the Wells Fargo Reflect℠ Card?

Indeed, Wells Fargo Reflect℠ requires a high score from its applicants. To get it, you’ll need a good or excellent level score. That is, something between 690 and 850 points.

How does the Wells Fargo Reflect℠ Card application process work?

You can apply for a Wells Fargo Reflect℠ online, over the phone, or at your bank’s physical branches. Indeed, it is important that you choose the option that you feel most secure and comfortable with.

So, learn more about the application process at the following link!

Wells Fargo logo

Wells Fargo Reflect℠ Card: check out how to apply!

0% APR and $600 as insurance for your cell phone: learn how to apply for your Wells Fargo Reflect℠ credit card for these and other benefits.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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