Is the Wells Fargo Reflect credit card really worth it?

Know all the details about it to make the right decision

Whenever we are going to join something new, especially when it comes to our finances, we end up in doubt whether to sign the agreement or not.

In addition to the aforementioned benefits related to the low interest rate and 0% initial APR, the Wells Fargo Reflect credit card can also be ideal for you if you are trying to settle your debts and rebuild your financial life.

That’s because even without offering as many cashback rewards as other credit cards, its low cost for daily purchases makes it a great option.

If you want to know more about how the Wells Fargo Reflect credit card works and how to apply for it before making your final decision, we’ll show you everything you need to know about it, so you can rest easy.

How does Wells Fargo Reflect work?

One of the great promises of the Wells Fargo Reflect credit card – which attracted a large part of its users – was to not pay annuity fees for a few months.

As promised, for the first 18 months after purchasing your credit card, you don’t have to pay interest fees or balance transfer fees. This can help you get out of debt by choosing to pay off the oldest and highest interest.

Take advantage of this 18-month period to organize your financial life, pay off your debts and build a good credit score, as the Wells Fargo Reflect credit card is more advantageous only during this period.

If you have a good credit score after finishing it, other credit cards may be more beneficial to you. In fact, Wells Fargo itself offers the option to exchange for the Wells Fargo Active Cash Card, which guarantees other benefits such as a cash reward for your purchases.

Others benefits for Wells Fargo Reflect

Wells Fargo Reflect benefits are truly amazing for anyone who wants to be interest free for at least a few months. Other benefits offered by the credit card are:

• Up to 21 months with 0% APR for purchases and balance transfers.
• Zero annuity.
• It offers mobile insurance of up to US$ 600 for those who pay their bills with the card.
• $5 or 3% transfer fee for the first 3 months;
• Zero liability protection, which means you will not be held liable in case of fraud.
• 24 hours a day, 7 days a week emergency assistance.
• It is worth mentioning that the 0% APR is valid for the first three months of the card, going to 5% in the next ones.

APRs and fees for the Wells Fargo Reflect Card

To conclude on Wells Fargo Reflect, see the fees applied after the initial period of benefits offered and others common to any credit card:

• Interest rates from 13.24% to 25.24% after 18 or 21 months.
• $0 anual fee.
• 3% foreign transaction fee.
• 3% or $5 balance transfer fee for 3 months.
• 5% balance transfer fee after 18 or 21 months.
• 26.24% cash advance fee.

Is the Wells Fargo Reflect for me?

After all that has been said, it is clear that the Wells Fargo Reflect credit card is suitable for anyone looking for relief from charging interest rates. By having a longer period of 0% fees, you can organize your finances and improve your credit score, getting an even better credit card after the initial offer period.

So, if you are part of this group of people, the Wells Fargo Reflect credit card will surely meet your expectations.

How to apply for the Wells Fargo Credit Card

Step 1: Visit the Wells Fargo Website

Go to the official Wells Fargo website. Navigate to the “Credit Cards” section and select “Wells Fargo Reflect” from the list of available credit cards.

Step 2: Review Card Details

Read the details about the Wells Fargo Reflect Credit Card. This includes information on benefits, rewards, introductory offers, fees, and terms. Ensure this card fits your financial needs before proceeding.

Step 3: Check Your Eligibility

Click on the “Apply Now” button to begin the application process. You might need to enter some preliminary information, such as your name and email address, to check your eligibility.

Step 4: Complete the Application Form

Fill out the application form with your personal details. This will include your name, date of birth, address, income, and employment status. You will also need to provide your Social Security number and information about your financial situation.

Step 5: Review Terms and Conditions

Before finalizing your application, carefully review the terms and conditions of the Wells Fargo Reflect Credit Card. Pay attention to details such as the interest rate (APR), annual fee, and introductory offers. Make sure you understand all costs and benefits associated with the card.

Step 6: Submit Your Application

Once you have completed the form and reviewed the terms, click “Submit” to send your application to Wells Fargo for review.

Step 7: Await Approval

Wells Fargo will process your application and provide a decision. This could be immediate or take a few days. If approved, you’ll receive confirmation and your card will be sent to you by mail.

Step 8: Activate Your Card

When your Wells Fargo Reflect Credit Card arrives, follow the included instructions to activate it. This typically involves logging into your Wells Fargo account online or calling a designated phone number.

Step 9: Start Using Your Card

After activation, you can start using your Wells Fargo Reflect Credit Card for purchases, both online and in-store.

By following these steps, you can easily apply for and start using your Wells Fargo Reflect Credit Card!