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The Wells Fargo Reflect credit card is a payment method with an introductory 0% interest rate and no annual fee. With it, you can make purchases in millions of places worldwide and enjoy fair rates on all transactions.
And that’s not all about it, as the card is issued under the Visa brand and also comes with a series of protections that make your financial experience much more complete and peaceful.
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If you’re curious about the card details and how it can benefit your finances, you’re in the right place. We’ll show you everything you need to know about this Wells Fargo option, from the benefits to how to apply. Shall we?
About the Issuer
Wells Fargo is a renowned financial institution known for offering a wide range of financial services. With a rich and solid history, it stands out in the market for its reliability and innovation.
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The bank offers various financial products, including bank accounts, loans, and of course, credit cards like the Wells Fargo Reflect. Its mission is to help customers achieve financial success and provide quality service.
Moreover, Wells Fargo is recognized for its corporate social responsibility initiatives, always striving to contribute positively to the communities it serves.
Benefits
0% Introductory APR for 21 Months: The highlight of the Wells Fargo Reflect is its 0% introductory interest rate on purchases and balance transfers for 21 months. This means you can make large purchases or consolidate debt without paying interest during this period.
No Annual Fee: Another positive point is that the card has no annual fee. This makes the Wells Fargo Reflect an economical option, as you don’t have to worry about an additional expense just for having the card.
Cell Phone Protection: By paying your cell phone bill with the card, you receive protection against damage or theft up to $600 per claim, with a limit of two claims per year and a $25 deductible per occurrence. A practical benefit that can save money on additional insurance.
Roadside Assistance: The card offers 24/7 roadside assistance, including towing services, tire changes, and help in case of lockout. A relief for those who face problems on the road.
My Wells Fargo Deals: With the My Wells Fargo Deals program, you can activate offers and earn credits on your statement when shopping with participating merchants. It’s an easy way to save on your everyday purchases.
Wells Fargo Reflect – Fees and commissions
The card does not charge an annual fee, which is a significant advantage for those looking to avoid additional costs. However, there is a 5% fee (minimum of $5) on balance transfers, which should be considered when planning significant transfers.
Additionally, there is a 3% fee for foreign currency transactions, which can impact those who frequently travel outside the United States. After the end of the 0% introductory APR offer, rates vary from 29.99%, 24.74%, and 18.21% depending on your credit quality.
If the customer delays payment of bills, a penalty of $40 will be incurred. Therefore, it is very important to organize finances to avoid this type of charge from Wells Fargo.
Wells Fargo Reflect – Card limit
The credit limit of the Wells Fargo Reflect Visa card is determined based on the applicant’s credit profile. Generally, it is offered to individuals with a good to excellent credit score who have a good relationship with the bank.
The exact limit may vary, but the bank’s policy is to provide limits that help maximize the user’s ability to manage debt without incurring high interest rates. Additionally, your limit may be increased after responsible card use.
Positive points
- LONG 0% APR PERIOD:Allows paying off debt without interest for 21 months.
- NO ANNUAL FEE:Helps save money annually.
- ACCEPTANCE:The Visa brand is accepted in over 200 countries.
Negative points
- NO REWARDS PROGRAM:Does not offer points or cashback.
- HIGH BALANCE TRANSFER FEE:5% can be significant for large transfers.
- FOREIGN TRANSACTION FEE:3% on international purchases can be a deterrent for frequent travelers.
How to apply for Wells Fargo Reflect
To apply for your Wells Fargo Reflect and start enjoying everything it has to offer, just follow the instructions below:
- Visit the Wells Fargo website;
- Select Wells Fargo Reflect in the credit card section;
- Click “Apply Now” to start the application process;
- Fill out the form with all the requested information;
- Submit the application and wait for approval.
How to contact Wells Fargo
If you have questions about the card or the application process, just contact Wells Fargo:
- Phone: 1-800-967-9521
- In person: Visit a bank branch
We recommend this credit card for consumers who are looking for an efficient way to finance purchases without worrying about high interest rates. Don’t waste time and apply for your Wells Fargo Reflect credit card today and start enjoying its advantages!
