The Wells Fargo Reflect℠ Card’s offerings are a bit more limited than the competition, but if you’re looking for a top balance transfer card with an especially long intro APR offer, you’ll want to take a look at this card. It offers 0 percent APR on balance transfers and purchases for the first 18 months from account opening (up to 21 months with on-time minimum payments during the intro period), as well as a $0 annual fee.
Wells Fargo Reflect credit card benefits
The Wells Fargo Reflect card offers a long list of benefits that can make it a great fit for cardholders, including:
0% introductory APR
With the Wells Fargo Reflect credit card, you can make purchases and transfer balances to the card at 0 percent APR for the first 18 months (up to 21 months with on-time minimum payments during the intro period).
No annual fee
Wells Fargo waives the annual fee on its Reflect credit card.
With the Wells Fargo Reflect card, you’re covered against eligible damage or theft for up to $600 per claim and up to $1,200 per cardholder account per 12-month period, with a $25 deductible.
Visa Traditional benefits
The Reflect card offers standard Visa Traditional benefits such as emergency cash disbursement, card replacement and travel and emergency assistance. It also includes a 24/7 pay-per-use roadside dispatch service, which can come in handy if you’re on a road trip and you run out of fuel or break down.
Mobile app benefits
Take advantage of the Wells Fargo mobile app features, including scheduled payments and notifications when your balance is high.
How to maximize the Wells Fargo Reflect’s benefits
The Wells Fargo Reflect credit card can help you save money on some of your day-to-day purchases, as long as you take advantage of the benefits you receive. Here are some ways you can take advantage of your Wells Fargo Reflect credit card benefits:
- Get more value from special offers. Wells Fargo offers online discounts to cardholders via My Wells Fargo Deals. You can get cash back from participating retailers for a limited time when you sign up for these card-linked offers in your Reflect account.
- Transfer a balance or make a large purchase. If you need to buy a big-ticket item such as a replacement appliance or a piece of furniture, you can pay it off during the card’s 0% APR period. You can also save on interest charges by moving a balance from an existing card you own to the Wells Fargo Reflect. Just be sure to pay your entire balance off before the introductory period ends, or you’ll be charged interest on any remaining balance.
The bottom line
The Wells Fargo Reflect card has a number of perks, including an introductory APR, card-linked cash back offers and cellphone protection. If you have good credit and are looking for a Wells Fargo card with no annual fee, the Reflect could be the right choice.