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Wells Fargo Reflect® Card: Low Intro APR for 21 Months
Wells Fargo is offering low intro APR for 21 months from account opening on purchases and qualifying balance transfers with their Reflect® Card. Low annual fee.
Card Features:
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Card Features:
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Slickdeals may be compensated by partners, which may impact the placement of offers on the page.
Created 05-03-2023
at 10:00 AM
by EfficientGame645
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
86 Comments
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I pay my cards in full every month. That being said, at any given time I have about $15k on my cards. So to maintain a good credit utilization (under 10%) you need to have 10x your typical monthly spend. Which is why you want cards with limits that high.
What's to stop you from buying a car with a credit card? I almost always use a card for a down payment. Granted it's only like $5k. But what's to stop you from paying for the whole thing?
Incredible, you spend $15,000 a month. What kind of business do you have?
Do you think this card is the better deal right now considering there are bonuses for other cards that also offer 0% apr sometimes?
No business just monthly expenses. I have a family of 5.
WF rep. recommended manual underwriting then a product switch if I didn't get approved. Welp...I requested manual underwriting but still got declined (heard back the same day). I called the next day for the product switch and they then said that the Reflect and Autograph cannot be switched but WF Active Cash card could. I already have that card and am well past the promo period so that doesn't help.
Writing this to give you guys some insight. Hope it helps.
TLDR: if you want the new card for BT, apply for the Autopgraph FIRST.
What should be my score. I had applied twice in the past and rejected both times with wells. One of them when I've a mortgage/checking account too with them. Tried calling for reconsideration and rejected.
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Wells Fargo Reflect® Card
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24% or 29.49% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.
$0 Annual Fee [wellsfargo.com]
In my experience with the BT's, Wells Fargo was by far the WORST in terms of overall process. I had to go to the branch 4 times because their system was frustratingly glitchy. 2nd worst was Citi.
On the other hand, CapitalOne QuickSilver was insanely smooth (see attachment). Got approved for 30k > created the account > initiated BT online for 28k > transfer was complete the next day. I couldn't believe it...
I applied for 2 us bank cards back to back this past summer and got around 18k limits between the two.
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I would stay cautious with WF and don't apply unless you know you will get it.
21 months are tempting but they are picky it looks like and want to choose people who they can make money on with interests at the end of the term.