Wells Fargo Reflect®
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
Low-Interest Strategists
🏆 290 $0.00 0
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