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Wells Fargo Reflect® Card: Low Intro APR for 21 Months
Wells Fargo is offering low intro APR for 21 months from account opening on purchases and qualifying balance transfers with their Reflect® Card. Low annual fee.
Card Features:
Rates and Fees
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Card Features:
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Rates and Fees
Slickdeals may be compensated by Wells Fargo
Created 05-03-2023
at 11:00 AM
by EfficientGame645 | Staff
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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.
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64 Comments
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Navy Federal Credit Union Platinum Credit Card will give you 0% balance transfer fee and only 0.99% APR for 12 months.
I'm seeing US Bank Visa Platinum card reviewed as 3% balance transfer fee and 0% APR for 18 months, however it looks like they may have updated the terms to exactly match the Wells Fargo card. Either way it's an alternative to consider.
For specific purchases you may want to check if any of your current cards will offer you 0% promotions. For example I found that my Chase card offered me 24 months 0% APR with no fees on a recent large purchase.
Us bank is crap. Bunch of branch closes
I have their Cash+ card which I've been using for years to get 5% cash back on all my utility and cell phone bills. I have never been in a branch.
No thank you. Fu©k Wells Fargo.
Weird, I have the opposite experience. I have 4 credit cards (including WF). My AmEx limit is more than 8x what the other 3 are combined. They keep raising my AmEx limit without even asking. It's literally almost what my annual income is, and I have no idea why you'd even want a limit that high on a credit card.
US bank is crap. They give low credits. I have a WF card with 23k limit Us bank gave me a 5k limit because I'm a new customer hehe
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Yes
It's literally as it sounds zero interest for the 21 month period
Yep. Exactly. Just pay your minimum balance for 21mo. Just be careful, it's easy to just charge a ton and then at the end of the 21 not be able to pay off the balance.
Navy Federal Credit Union Platinum Credit Card will give you 0% balance transfer fee and only 0.99% APR for 12 months.
I'm seeing US Bank Visa Platinum card reviewed as 3% balance transfer fee and 0% APR for 18 months, however it looks like they may have updated the terms to exactly match the Wells Fargo card. Either way it's an alternative to consider.
For specific purchases you may want to check if any of your current cards will offer you 0% promotions. For example I found that my Chase card offered me 24 months 0% APR with no fees on a recent large purchase.
The 5% transfer fee is nothing compared to the 20% or more interest fee on most cards. My wife is paying $200/mo interest her Citibank card. I plan on transferring it to this card which is essentially costing me two months of interest.
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