Wells Fargo Reflect®

Issuer

Wells Fargo

Network

Visa

Regular APR

17.24%, 23.74%, or 28.99%

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