Wells Fargo Reflect Visa Credit Card Review -Lengthy 0% Period Makes It Worthy?

By | October 15, 2021

In Short: The Wells Fargo Reflect Visa Credit Card is light on features, but the 0% introduction APR period makes this credit excellent. It’s as long as 21 months offer, is the best presently available in the market, and if you are looking for a credit card that would help you pay down debt or finance a large purchase without being charged interest, this card may be worth considering.  

Wells Fargo today launched Wells Fargo Reflect Visa Credit Card that offers 0% APR of 18 months and an extension of the introductory-APR of up to 3 months if you make at least the minimum amount due within the due date during the introductory and extension periods.

After the introductory, your APR will be 12.99 % to 24.99% based on your creditworthiness. Wells Fargo calculates its APR rate based on U.S. Prime Rate.

The Wells Fargo Reflect credit was launched after Wells Fargo launched the Active Cash Credit card. The features of Reflect credit card are in line with Transfer Credit Credit card. Here is the detailed review of the Wells Fargo Reflect Visa Credit Card.


What’s Ahead

  1. Key Highlights
  2. Pros and Cons
  3. Rates & Fees
  4. Why might you go for a Wells Fargo Reflect Visa Credit Card?
  5. Why might you want to go for a different card ?
  6. Wells Fargo Reflect Visa Credit Card Vs. U.S. Bank Visa®Platinum Card
  7. Is the Wells Fargo Reflect Visa Credit Card right for you ?

Wells Fargo Reflect Visa Credit Card
Wells Fargo Reflect Visa Credit Card

Key Highlights

  • 0% introductory APR for 18 months.
  • 3 months APR introductory APR if condition satisficed*
  • Regular APR will be 12.99% to 24.99%
  • The Regular APR shall be based on you creditworthiness.
  • APR for Cash Advances and Overdraft shall be 25.99%.
  • If you make late payment your introductory APR  shall come to end.
  • No Annual Fees
  • 3%  foreign transaction fees of each transactions.

Pros and Cons

Pros ✔

  • 0% introductory APR for 24 months this highest in the Market.
  • ‘No Annual Fees.
  • Overdraft protection
  • Cell phone protection
  • Roadside Dispatch®
  • My Wells Fargo Deals
  • Zero Liability protection

Cons❌

  • 3% foreign Fees transaction.
  • The introductory APR may be cancelled.
  • Do not have any rewards Perks
  • No bonus offer

Full Review

Here is the full review of the Wells Fargo Reflect Visa Credit Card.

Rates & Fees

TYPESRATES ($)
Joining FeesNone
Annual FeesNone
Balance Transfer FeesA. $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening as an Introductory Offer.

B. 5% for each balance transfer, with a minimum of $5.
Foreign Transaction Fees 3% of the Foreign Transaction you make.
Introductory APR0% for 21 months.
Regular APRA regular APR of 12.99% to 24.99% is applicable on all purchases and Balance Transfers made by you.
Cash Advances Fees$10 or 5% of the amount of each advance, whichever is greater.
Overdraft Protection AdvancesA. $12.50 if the total of overdraft protection advances for the day is $50 or less.

B. $20 if the total of overdraft protection advances for the day is greater than $50.
Late PaymentUp to $40
Fees Table

You can check all the terms and conditions of Wells Fargo Reflect Visa Credit Card charges here.


Why might you go for a Wells Fargo Reflect Visa Credit Card?

Here are the 7 Benefits of the Wells Fargo Reflect Visa Credit Card that may be rewarding for you.

#. 1. No Annual Fees

There are no annual fees of the Wells Fargo Reflect Visa Credit Card, and you can enjoy the 21 month 0% introductory APR for 21 months without any cost. The Reflect credit card is the Wells Fargo Platinum Credit card extension that also charges 0% APR for 18 months.

# 2. 0% introductory APR for 18 months.

The true and core benefits of Wells Fargo Reflect Visa Credit Card are its introductory APR offer. The Wells Fargo Reflect VisaSM Credit Card offers you the 0.00% introductory APR for 18 months from the account opening date and 3 months APR extension if you make at least the minimum payment by the payment due date during its introductory and extension periods.

After the introductory period ends, you will be charged a regular APR between 12.99% to 24.99%. The Regular APR is not pre-determined. These shall be calculated on your creditworthiness, Credit history etc… If your credit history is excellent, then the regular APR shall be 24.99 % and will be communicated at the time of credit card approval.

# 3. Cellular Telephone Protection

Wells Fargo offers you Cellular Telephone Protection. Your Cellular protection starts from when you make the first payment using an eligible Wells Fargo Consumer Credit  Card and shall continue eligible if you continue to pay the bill from the card.

Cellular Telephone Protection reimbursement is limited to your phone damage to or theft of a cell phone. However, you should know that this insurance is supplemental to another insurance policy (for example, cell phone insurance programs or any other similar program).

This Cellular Telephone Protection can only be applied if all other insurance is exhausted.

The Cellular Telephone Protection shall not apply if …..

  • If the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit.
  • Cell phones that are rented, borrowed, or received as part of a prepaid plan or “pay as you go” type plans; and 
  • Electronic failure or issues related to the software of the device.  
  • Lost cell phones (i.e. disappear without explanation).

You can get more details about this protection by calling on 1-866-804-4770 or outside the U.S. call collect at 1-303-967-1096, 24 hours a day.

# 4. Emergency Cash Disbursement .

The Visa may arrange Emergency cash for you on behalf of Wells Fargo Bank within 24 hours of your request. However, all costs and expenses related to these services shall be charged from your credit card account. You can request Emergency Cash by calling the Visa Global Customer Care Services at 1-800-397-9010 or call the Visa direct line at 1-303-967-1096 24.

# 5. Roadside Dispatch

Wells Fargo Reflect Visa Credit Card also provide a Roadside Dispatch assistance program. You can read all the details about this program here.


Why might you want to go for a different card ?

Here is the main disadvantage of Wells Fargo Reflect Visa Credit Card that may be why going to another credit card.

# 1. Loss of introductory APR

0% APR for 21 months is one of the best benefits of this credit card, however, if you miss a single payment or you are not able to Credit card dues with the due date, then your introductory APR shall come to an end, and regular purchase and balance transfer shall apply in your purchases which is huge ranging from 12.99% to 24.99%.

#. 2. You may not be eligible for Introductory Offers.

 You shall not be Offred Wells Fargo Reflect Visa Credit Card Introductory Offers if you check the below condition.

  • You have applied Wells Fargo Credit Card within the last 15 months.
  • Your Credit card was approved in last 15 moths.
  • You taken the benefits of introductory APR(s), fees, and/or bonus rewards offers.
  • Even you have closed the previous credit card with Zero Balance.

Then, you are not eligible for introductory annual percentage rates.

#. 3. Your Credit limit may be reallocated.

Suppose you have a Wells Fargo credit card in your wallets; however, due to any reason, you were not able to use it in the past six months, and you are applying for an additional card. In that case, your credit limit shall be allocated between your existing and new credit cards.

You have to consent to Wells Fargo for credit limit allocation between two credit cards. Due to this, your limit may not be good.

# 4. Higher Foreign transaction fees.

The Wells Fargo Reflect Visa Credit Card charges you 3% Foreign transaction fees, which is high compared to other credit cards present in the market.

Here VISA is responsible for all the foreign transaction fees. When you make a transaction in a currency other than U.S. dollars using a Visa Card, VISA converts these transactions into U.S. dollar amounts. The

#5. No Rewards

No rewards points or cashback is Offred against transactions done. If you do any transaction like, Shopping, Gas station spends, then you will not be Offred rewards points. This is one of the main Demerits of this credit card.


Read More: Credit One Bank Platinum Visa for Rebuilding Credit 2021 Review


Quick Comparison

What are the better alternatives of Wells Fargo Reflect Visa Credit Card ?

We have analyzed a variety of credit cards that may provide you with a better value for your money spent. These include the following:

  • U.S. Bank Visa® Platinum Card

Wells Fargo Reflect Visa Credit Card Vs. U.S. Bank Visa® Platinum Card

Types Wells Fargo Reflect Visa Credit Card U.S. Bank Visa® Platinum Card
Welcome Bonus/Sign-up BonusNoneNone
Cashback RewardsNoneNone
Intro APR 0% for 21 months. 0% for 20 months.
Regular APRVariable of 12.99% to 24.99% Variable of 14.49% to 24.99%
Annual FeeNoneNone
Foreign Transaction Fees3%0%
Balance Transfer Fee A. $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening as an Introductory Offer.

B. 5% for each balance transfer, with a minimum of $5.
3% or $5 minimum, whichever is greater.

It is evident from the above comparison that Wells Fargo Reflect Visa Credit Card has the upper hand over U.S. Bank Visa® Platinum Card. Reflect Visa credit card offers 21 months 0% APR compared to U.S. Visa Platinum Card, which offers 20 months 0% APR.

Is the Wells Fargo Reflect Visa Credit Card right for you ?

Wells Fargo Reflect Visa Credit Card Review -Lengthy 0% Period Makes It Worthy?

If you are looking for a long period 0% APR credit card, this credit card may be the right choice for you. This credit card offers 0% APR for 21 months which is best in the market and not available on any credit card.

Editor's Rating:
4.9

Apart from the 0% APR, this credit will not hurt your wallet because this credit card will not charge annual fees. However, this credit card does not offer any rewards points or cashback, so you might find yourself graduating to a different card for the long term.

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Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

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