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Wells Fargo Reflect® Card: Lowest Intro APR for 21 Months

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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:
  • Select “Apply Now” to take advantage of this specific 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. 18.24%, 24.74%, or 29.99% 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.


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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 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.

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Joined Aug 2017
L6: Expert
> bubble2 1,935 Posts
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optimustarzan
04-10-2024 at 07:41 AM.
04-10-2024 at 07:41 AM.
Quote from ShadowPoo101 :
in a market for a new balance transfer card, it's between the chase slate and the wells fargo reflect card. curious to know which one would give me a high credit limit tho.
Probably too late. But for me, Wells gave me double the credit limit.
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Joined Oct 2022
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HilariousSummer791
04-11-2024 at 09:14 AM.
04-11-2024 at 09:14 AM.
Quote from BlueDesk9616 :
This is a good card for 0% APR on purchases due to the relatively lengthy 21 month duration of the offer, but it's not as good for balance transfers due to the 5% balance transfer fee.

Navy Federal Credit Union Platinum Credit Card will give you 0% balance transfer fee and only 0.99% APR for 12 months.

I'm seeing US Bank Visa Platinum card reviewed as 3% balance transfer fee and 0% APR for 18 months, however it looks like they may have updated the terms to exactly match the Wells Fargo card. Either way it's an alternative to consider.

For specific purchases you may want to check if any of your current cards will offer you 0% promotions. For example I found that my Chase card offered me 24 months 0% APR with no fees on a recent large purchase.

Us bank is crap. Bunch of branch closes
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Joined Dec 2022
L3: Novice
> bubble2 165 Posts
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BlueDesk9616
04-12-2024 at 08:09 AM.
04-12-2024 at 08:09 AM.
Quote from HilariousSummer791 :
Us bank is crap. Bunch of branch closes
Ok but you don't need to use branches to take advantage of their credit cards. Sure, they want you to establish a relationship with the bank, but we are just here to game them. I have zero loyalty to the banks whose products I use to maximize my own dollars.

I have their Cash+ card which I've been using for years to get 5% cash back on all my utility and cell phone bills. I have never been in a branch.
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Joined Dec 2010
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StonyM
04-13-2024 at 08:12 AM.
04-13-2024 at 08:12 AM.
Wells Fargo is a terrible place to do business with. I'm not wealthy, but they took my account from 160,000 to 140000 in two months with their intuitive investor and all of their fees. They made me late on bills multiple times by lying about when transfers would happen, what fees would be waived, etc and then locked me out of my account for over two months because of their own error costing me another 3000$ because I couldn't see my positions or make trades.

No thank you. Fu©k Wells Fargo.
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Joined Sep 2016
L4: Apprentice
> bubble2 490 Posts
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zkiller195
04-15-2024 at 07:02 PM.
04-15-2024 at 07:02 PM.
Quote from sdub90 :
I have one card from them and I'd say the limit is relatively high, but beat by all my amex cards and one of my citi cards.

Weird, I have the opposite experience. I have 4 credit cards (including WF). My AmEx limit is more than 8x what the other 3 are combined. They keep raising my AmEx limit without even asking. It's literally almost what my annual income is, and I have no idea why you'd even want a limit that high on a credit card.
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Joined May 2017
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mariox
04-17-2024 at 08:06 PM.
04-17-2024 at 08:06 PM.
I've got about 20k in charges coming up in next few months. This will help tremendously. Thanks OP. Got approved for 15k right away. So far WF has been good to me. There rewards card helped me build a ton of $ quickly.
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