Well Fargo Reflect

The basics

Balance transfer details

Intro APR

0%

Intro Period

18 months

Fee

3% or $5 whichever is greater

Annual Fee

$0

Regular APR

17.49% - 29.49% var

Credit Score Required

Good

Good for: Extended 0% intro APR period

Our verdict

Though the extended intro APR period (up to 21 months for both purchases and balance transfers) is appealing it does come to an end and then you are left with no rewards or real perks but t may be worth considering if you are looking for a credit card with a low interest rate and no annual fee.

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Beyond the basics

0% intro APR for both purchases and balance transfers makes it stand out

Purchase APR

0% for 18 months

Cash Advance APR

29.99%

Penalty APR

-

None

Foreign Transaction Fees

3%

Late Fees

After 1 year, $40

Network

Visa

Full review

Lender description Wells Fargo is a multinational financial services company with corporate headquarters in San Francisco, California. It provides a variety of financial services including bank accounts, loans, mortgages, investing, credit cards & banking services.

Best used for

Paying off debt

Pros & cons

No annual fee

No membership fees

Reports to the 3 major credit bureaus

No ability to earn long-term rewards

Potential for a high APR

Must have at least good credit

Card reward details No rewards but 0% intro APR for both purchases and balance transfers

How to apply Apply online by providing basic personal information. You must to be at least 18, have a Social Security number, and be a legal resident of the U.S.

Available The Wells Fargo Reflect Card is available nationwide.

Balance transfer example

Well Fargo Reflect Review