Save big with 0% APR for 21 months on purchases and balance transfers. The Wells Fargo Reflect® Card makes managing debt simple and cost-effective—no annual fee required!
- 0% intro APR for 21 months on purchases and balance transfers.
- No annual fee, maximizing your savings.
- Up to $600 cell phone protection when you pay your phone bill with the card.
- Access to tools like Credit Close-Up® and personalized My Wells Fargo Deals.
If you’re looking for a credit card that helps you avoid interest charges while paying off existing debt or financing major purchases, the Wells Fargo Reflect® Card stands out as an excellent choice. With its 0% APR introductory offer for 21 months on purchases and balance transfers, as well as useful financial tools and no annual fee, this card is designed to give you maximum financial flexibility. Below, we break down its most significant benefits and why it might be the right card for you.
Unmatched 0% Intro APR for 21 months
The most attractive feature of the Wells Fargo Reflect® Card is its extensive introductory 0% APR period, which covers both purchases and balance transfers:
- 21 months of 0% APR on purchases from the date of account opening.
- 21 months of 0% APR on balance transfers made within the first 120 days of account opening.
After the promotional period ends, a variable APR of 17.49% to 29.24% applies, based on your creditworthiness.
This long interest-free period makes the card ideal for:
- Consolidating and paying off higher-interest credit card debt.
- Financing significant expenses, such as home improvements, medical bills, or travel, without the burden of immediate interest charges.
Important Note: Balance transfers are subject to a fee of 5% or $5, whichever is greater, so it’s important to calculate your savings against this cost.
No annual fee
The Wells Fargo Reflect® Card has no annual fee, which means you can take full advantage of its benefits without worrying about additional costs. This makes it an attractive option for budget-conscious individuals who prioritize saving while managing their finances.
Cell phone protection
One of the standout perks of this card is its cell phone protection benefit. By paying your monthly cell phone bill with the Wells Fargo Reflect® Card, you’ll receive:
- Coverage of up to $600 per claim against damage or theft.
- A $25 deductible per claim.
This benefit is especially valuable if you want peace of mind knowing your device is protected without needing to purchase additional insurance.
Built-in financial tools
The Wells Fargo Reflect® Card includes tools and resources that make managing your finances more accessible and effective:
- Credit Close-Up®: Provides monthly updates on your FICO® Score, along with personalized credit insights. Monitoring your credit regularly can help you maintain or improve your financial health.
- My Wells Fargo Deals: Offers personalized deals at select merchants, allowing you to earn statement credits when you shop, dine, or enjoy experiences with your card.
- Zero Liability Protection: Ensures you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly
Roadside Dispatch® Service
The card also provides access to the Roadside Dispatch® network, a 24/7 referral service for emergency roadside assistance. Whether you need towing, a locksmith, or help with a flat tire, this feature can be a lifesaver during unexpected situations.
Who is the Wells Fargo Reflect® Card ideal for?
This card is particularly well-suited for individuals who:
- Want to pay down high-interest debt: The long 0% APR period makes it a powerful tool for consolidating balances and reducing overall interest payments.
- Plan significant purchases: If you’re preparing for a large expense, such as a wedding, moving costs, or furniture, the 21-month interest-free period provides the flexibility to pay it off over time.
- Value cost-effective benefits: With no annual fee and added perks like cell phone protection, this card delivers significant value without recurring charges.
- Prefer simplicity over rewards: Since this card doesn’t offer points or cash back, it’s ideal for those who prioritize saving on interest rather than earning rewards.
How to maximize the benefits
To get the most out of the Wells Fargo Reflect® Card:
- Plan your balance transfers carefully: Complete them within the first 120 days to lock in the 0% APR offer.
- Set a payment schedule: Use the 21-month window to pay down as much of your balance as possible before the variable APR kicks in.
- Use the cell phone protection benefit: Pay your monthly phone bill with the card to take advantage of this valuable coverage.
- Explore My Wells Fargo Deals: Check regularly for merchant offers that can help you save or earn statement credits.
Why choose the Wells Fargo Reflect® Card?
The Wells Fargo Reflect® Card is a standout choice for anyone seeking an unparalleled introductory APR offer and cost-effective financial flexibility. Whether you’re managing debt, planning a major purchase, or simply looking for a reliable card with essential benefits, this card delivers substantial value without additional fees.
If your goal is to save on interest and take control of your financial future, the Wells Fargo Reflect® Card is worth considering.
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