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Stop paying high interest rates! Enjoy 0% APR for 21 months!

Wells Fargo Reflect Card: $0 Annual Fee and 0% intro APR


With Wells Fargo Reflect® Card you’ll have access to 0% intro APR for 21 months on purchases and balance transfers, $0 annual fee and much more!


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Are you looking for a credit card that offers added benefits and rewards without over-complicating the process? The Wells Fargo Reflect® Card may be just what you're looking for. Check out a few of its many benefits below!

The longest 0% APR intro in the market for purchases and balance transfers – 21 months!
With this card, you’ll be able to take charge of your finances and not worry about paying for a monthly or annual fee.
You’ll have access to cell phone protection, Zero Liability protection and more.
With My Wells Fargo Deals, you’ll be able to get discounts on purchases with participating merchants in different categories.

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To qualify for the Wells Fargo Reflect® Card, you have to meet certain criteria determined by the bank. A satisfactory credit score above 700 is encouraged for new applicants. A steady annual income will also play in your favor when you apply. Other important factors include being 18+, having a low debt to income ratio, a low housing cost to income ratio, a valid SSN or ITIN and a U.S. mailing address.

Wells Fargo only offers pre-qualification for the Wells Fargo Reflect® Card for its existing customers. If you’re not already banking with them, applying for this credit card will automatically do a hard pull on your credit score. A hard inquiry may cause your rating to drop a few points temporarily.

If you’re a new applicant, you can do a balance transfer while you’re filling out the application form. There’s a specific field to request new BTs, which you should fill out properly and review it before submitting your request. It usually takes around 10 business days to process new BTs, so make sure to continue making payments until it’s completed.

All the application process is done online, so you do not need to go to a Wells Fargo bank branch to apply. But if you still would like to go to a branch and talk to someone, you can visit the Wells Fargo website (www.wellsfargo.com) and click on the “Locations” link at the top of the page. Enter your city and state or ZIP code, and you will see a list of Wells Fargo branches in your area. You can also get in touch with the nearest branch to schedule your Wells Fargo appointment.

If you want to apply for a Wells Fargo Reflect® Card but don’t know how, we can help. Follow the link below for an easy guide on the application process and what you can expect from it.

Wells Fargo Reflect® Card

How to apply for the Wells Fargo Reflect® Card

If you want a credit card with an extensive 0% period, there's no better than the Wells Fargo Reflect® Card! Learn how to apply today!

But if you’d like to check out a similar option, the Citi Simplicity® Card is a great alternative. The card also offers a lengthy APR period and has no annual fee. Check out the following link for more information and how you can apply for it. 

Citi Simplicity® Credit Card

How to apply for the Citi Simplicity® Credit Card

Looking for a no-frills credit card? Check out the Citi Simplicity® Credit Card. Learn how to apply and see if it's the right card for you.

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