Wells Fargo Reflect®

#No Annual Fee #Balance Transfer #Intro APR #Excellent Credit #Good Credit

Issuer

Wells Fargo

Network

Visa

Regular APR

17.24%, 23.74%, or 28.99%

Annual Fee

$0.00

Intro Offer

N/A

Rewards Rate

N/A

Recommended Credit Score

690 - 850 (Good - Excellent)

Pros

No annual fee

Generous introductory APR offer for 21 months on purchases and balance transfers

Cell phone protection benefit for damage or theft (up to $600 per claim, $25 deductible)

Potentially lower ongoing APR compared to other cards

Cons

No rewards program to provide ongoing value

High balance transfer fee (5%, minimum $5)

Foreign transaction fee (3% of each transaction converted to U.S. dollars)

Limited additional benefits or perks

No sign-up bonus

Combinations

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