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The Wells Fargo Reflect credit card is a practical and smart option for anyone who wants more time to pay for purchases without worry. It offers a long interest-free period, helping you better organize your finances.
If you’re thinking about paying off debts or need to make a larger purchase, this card provides peace of mind and flexibility. Plus, it has no annual fee, helping you save even more every month.
Want to know how this card can make your financial life easier and give you that extra security? Keep reading and discover everything the Wells Fargo Reflect credit card has to offer!
About Wells Fargo
The Wells Fargo Reflect credit card is issued by Wells Fargo, one of the largest banks in the United States, with over 160 years of history and millions of satisfied customers.
The bank is regulated by federal agencies, ensuring safe operations and consumer protection. It also uses advanced technology to monitor transactions and prevent fraud.
If you’re looking for a reliable and stable card, knowing the company behind it is solid gives you added confidence. Keep reading to see the benefits it brings you.
Benefits
0% APR for up to 21 months on purchases and balance transfers: You pay no interest for up to 21 months. This gives you time to pay without increasing your debt — perfect for managing finances calmly.
No annual fee: There’s no yearly charge, helping you maintain a lighter budget and avoid surprises at year-end. Enjoy the benefits without the cost.
Cell phone protection: Pay your phone bill with the card and get up to $600 in coverage against theft or accidental damage — a practical everyday benefit.
24/7 roadside assistance: If you rent a car or face trouble on the road, you can count on emergency support anytime — perfect for travelers.
Fraud protection (Zero Liability): You won’t be held responsible for unauthorized charges if reported quickly. This ensures peace of mind in case of data theft or misuse.
Security alerts and monitoring: Wells Fargo constantly monitors your transactions to detect suspicious activity. If anything unusual is found, you’ll get an alert to act fast.
Easy-to-use mobile app: With the Wells Fargo app, you can track spending, pay bills, and manage your credit from your phone — anytime, anywhere.
Wells Fargo Reflect credit card – Fees and commissions
After the 21-month interest-free period, the APR for the Wells Fargo Reflect credit card ranges from 17.24%, 23.74%, or 28.99% annually, depending on your credit profile.
Balance transfers have a 5% fee or $5, whichever is greater. There’s also a 3% foreign transaction fee. This card charges no annual fee, reducing your ongoing costs.
Note: Rates and APR may change without notice. We recommend checking the latest information directly on the official Wells Fargo website.
Credit limit
The credit limit of the Wells Fargo Reflect credit card varies based on your financial history and the bank’s evaluation. Generally, customers with good credit can qualify for higher limits.
Over time, if you use the card responsibly and pay your bills on time, Wells Fargo may increase your limit automatically. This gives you more flexibility for larger purchases or financial planning.
Positive points
- Long 0% APR period:Up to 21 months of interest-free payments.
- No annual fee:Save money while keeping your card active.
- Extra protection:Cell phone coverage and roadside assistance included.
Negative points
- No rewards program:You don’t earn points or cashback.
- Average balance transfer fee:5% is not the lowest.
- Foreign transaction fee:3% for international use.
How to apply for Wells Fargo Reflect
- Visit the official Wells Fargo website and search for “Reflect Card.”
- Click “Apply Now” to begin the online application.
- Enter personal information: name, address, income, and employment details.
- Choose whether to include a balance transfer and provide the necessary info.
- Review your details and submit the application.
- You may receive approval and a credit limit in just a few minutes.
- Once approved, receive your card by mail within a week.
How to contact Wells Fargo
If you have questions or need help:
- Phone: 1‑800‑642‑4720 (service in English/Spanish)
- Customer Service: 24/7 support through the same number
- Email: Messages via secure online account
- Online Chat: Available on the Wells Fargo website or mobile app
If you’re looking for more time to pay for your purchases and organize your finances, the Wells Fargo Reflect credit card could be the ideal solution. Apply now and enjoy all the benefits it has to offer!
