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Wells Fargo Reflect℠ Card: Lowest intro APR for up to 21 months

-9 Deal Score
4,960 Views
Wells Fargo is offering 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers with an extension of up to 3 months with on-time minimum payments with their Reflect℠ Card. No annual fee.

Card Features:
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
  • $0 Annual Fee
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
  • Select “Apply Now” to learn more about the product features, terms and conditions

See Rates & Fees

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Created 12-01-2021 at 04:42 PM by sd_keets
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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 May 2009
L4: Apprentice
> bubble2 355 Posts
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DL_
12-01-2021 at 05:17 PM.
12-01-2021 at 05:17 PM.
If you're applying for credits cards because of you low interest rates you're doing it wrong.
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Joined Nov 2017
L6: Expert
> bubble2 1,731 Posts
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malo51
12-01-2021 at 05:21 PM.
12-01-2021 at 05:21 PM.
Quote from DL_ :
If you're applying for credits cards because of you low interest rates you're doing it wrong.

What's the right way ?
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Joined Jul 2020
L9: Cheap Ass
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IronManFan
12-01-2021 at 05:23 PM.
12-01-2021 at 05:23 PM.
sooooooo many reasons to TD this post but so little time...
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Joined May 2009
L4: Apprentice
> bubble2 355 Posts
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DL_
12-01-2021 at 05:23 PM.
12-01-2021 at 05:23 PM.
Quote from malo51 :
What's the right way ?
Ideally, you never carry a balance, so interest shouldn't affect you. You sign up for credit cards that have high value sign up bonuses.
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Joined Nov 2017
L6: Expert
> bubble2 1,731 Posts
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malo51
12-01-2021 at 05:24 PM.
12-01-2021 at 05:24 PM.
Quote from DL_ :
Ideally, you never carry a balance, so interest shouldn't affect you. You sign up for credit cards that have high value sign up bonuses.

Was just curious as I dont have credit but looking to build and go from there
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Joined Jan 2008
L9: Master
> bubble2 4,987 Posts
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rbraden
12-01-2021 at 05:29 PM.
12-01-2021 at 05:29 PM.
I actually got the active cash card recently. 2% back on everything seems great for many purchases, even compared to other cards I have with significant annual fees. This card...nope.
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Joined May 2009
L4: Apprentice
> bubble2 355 Posts
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DL_
12-01-2021 at 05:52 PM.
12-01-2021 at 05:52 PM.
Quote from malo51 :
Was just curious as I dont have credit but looking to build and go from there

I see. You will need to start off with a card from your bank then or possibly a store credit card. You likely will not be approved for any of the better cards unless you have a lot of income.
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