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Wells Fargo Reflect® Card: Low Intro APR for 21 Months

+28 Deal Score
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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:
  • 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


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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
L10: Grand Master
> bubble2 6,288 Posts
jkloisdafoiwdaf
11-12-2024 at 06:27 AM.
11-12-2024 at 06:27 AM.
Quote from Boobooo :
chase
bank of america
multiple more reputable places to do business with...

Bank of America is as unamerican as it can go, might as well change the name to Bank of China
Reply
Joined Mar 2013
L8: Grand Teacher
> bubble2 3,679 Posts
412 Reputation
SKV4m
12-09-2024 at 10:40 PM.
12-09-2024 at 10:40 PM.
Worst bank ever
Reply
Joined Mar 2010
L3: Novice
> bubble2 147 Posts
10 Reputation
sd12
01-07-2025 at 05:41 PM.
01-07-2025 at 05:41 PM.
I have $$$$ on margin account with fidility so can i use this to close this
Reply
Joined Jul 2015
L5: Journeyman
> bubble2 984 Posts
302 Reputation
Dirt_Cheap
Yesterday at 01:02 AM.
Yesterday at 01:02 AM.
Quote from BlueDesk9616 :
This is a good card for 0% APR on purchases due to the relatively lengthy 21 month duration of the offer, but it's not as good for balance transfers due to the 5% balance transfer fee.

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.

Yep! I agree! I'm a Navy Federal Credit Union member and have the Platinum Card because of the intro no transfer fees and they even gave me 15 months no interest on my balance transferred too!
Reply
Joined Oct 2008
L7: Teacher
> bubble2 2,010 Posts
221 Reputation
Pro
aviator79
Yesterday at 01:43 PM.
Yesterday at 01:43 PM.
Has anyone has this card, canceled then reapplied without using the 0% offer? I got it like 8mo ago and never used it for what I had planned (buy a car) to point where had wasted half the 0% (only had about 12mo left) so closed and figured get a different card with at least 18mo. At 21mo this is one of the longest 0% offers that I know of, so I would get again if possible. Sort of doubt it but figured ask here if anyone had done it.
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