Credit Cards » Credit Card Reviews » Wells Fargo Reflect℠ Card 2023 Review
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Wells Fargo Reflect℠ Card 2023 Review

Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

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In this Review

Wells Fargo is one of the largest financial institutions in the United States, with branches all over the country. It provides a variety of credit card options, most of them are quite new, including the Wells Fargo Reflect℠ Card.

The main benefits of this card is the long 0% intro APR it offers – 18 months on purchases and balance transfers. Also, it has no annual fee and benefits such as zero liability protection and 24/7 on-demand referral dispatch for roadside emergency assistance.

The card is mainly relevant for those who are looking to leverage the long 0% intro for paying off debt or purchasing a large item. If you're looking for cashback or travel rewards and you have good credit, you may want to shop around for a different card.

Wells Fargo Reflect℠ Card

Wells Fargo ReflectSM Card (1)

Rewards Plan

None

Sign up Bonus

None

0% Intro

18 months on purchases and balance transfers

PROS

CONS

APR

18.24% to 29.99% variable APR

Annual Fee

$0

Balance Transfer Fee

5$ or 5% (the greater)

Credit Requirements

Good - Excellent

More Benefits

You will get up to $600 worth of cell phone protection when you pay your phone bill through the card.

Get access to advanced security features, such as 2-step authentication and voice verification when signing into your account

You can access a variety of different types of deals through this offering.

You will get access to 24/7 on-demand referral dispatch for roadside emergency assistance.

Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, 5$ or 5% (the greater).

Drawbacks

 This card option currently does not offer any cashback rewards or sign up bonus (besides the 0% intro APR).

With this card, you must pay a 3% foreign transaction fee.

Compare The Alternatives

If you're looking for a balance transfer credit card with long 0% intro APR – the Reflect card is definitely a good option, but there are some good alternatives:

Capital-One-Savor-One

chase freedom unlimited card

citi simplicity

Capital One Savor card
Chase Freedom Unlimited® card
Citi Simplicity® Card
Annual Fee
$0
$0
$0
Rewards
1% – 3% earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases.
1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
None None
Welcome bonus
$200 $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Up to $300 additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
None None
Foreign Transaction Fee
None
3%
3%
Purchase APR
19.99% – 29.99% variable
20.24%–28.99% variable
19.24% – 29.99% (Variable)

FAQ

Yes, it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance. Please review the specific details before, to make sure you're covered as needed.

There are no out and out income requirements and normally you will not have to provide proof of income.

Perhaps you did not meet all of the requirements. You can ask the customer service team what you need to do to get accepted or you can look at other card options.

 You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.

 You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.

Yes, you can get pre-approval when you are signing up for a Wells Fargo ReflectSM Card. This allows you to see if you can get your hands on this card without needing a hard credit check.

The credit limit for this type of credit card is usually at least $500. The exact limit will depend on your personal financial situation that you have outlined in your application.

You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no cashback rewards in place for you to consider.

The Wells Fargo ReflectSM Card is a good starter card because it is cost-effective and simple. You also will need to be okay with not earning cashback rewards.

It is not very hard to get your hands on a Wells Fargo ReflectSM Card once you meet all of the requirements that are fairly achievable for most people.

Some of the top reasons to not get the Wells Fargo ReflectSM Card is that it does not offer any cashback rewards and it carries a foreign transaction charge.

Review 0% Intro Balance Transfer Cards

Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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The product offers that appear on this site are from companies from which this website receives compensation. 

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

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