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Say goodbye to high interest rates! Take advantage of 0% APR for 21 months!

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


Interest charges on your credit card can be a drag. But Wells Fargo has a solution for you. Introducing the Wells Fargo Reflect® Card, a credit card that lets you save money. Enjoy this unsecured credit card with up to 21 months of NO interest. It’s the perfect way to finally get rid of that costly credit card debt.


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If you want a credit card that gives you extra perks and rewards without making things too complicated, you might want to consider the Wells Fargo Reflect® Card. This card has many benefits that can make your life easier and more enjoyable. Here are some of them:

$0 Annual Fee
0% intro APR for 21 months
Up to $600 in cell phone protection per incident
Get discounts on purchases with My Wells Fargo Deals

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You need to meet some requirements set by the bank to get the Wells Fargo Reflect® Card. A good credit score above 700 is recommended for new applicants. A stable annual income will also help you when you apply. Other key factors include being 18 or older, 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.

You can only pre-qualify for the Wells Fargo Reflect® Card if you are already a customer of Wells Fargo. If you are not banking with them, applying for this credit card will do a hard check on your credit score. A hard inquiry can make your rating go down a few points for a short time.

You can request a balance transfer when you apply for the card if you are a new applicant. You need to fill out a special field for new BTs, and check it carefully before you send your request. It can take up to 10 business days to finish new BTs, so you should keep making payments until it’s done.

You can apply for the card online, without going to a Wells Fargo bank branch. But if you prefer to go to a branch and talk to someone, you can find the nearest one on the Wells Fargo website. Just click on the “Locations” link at the top of the page and enter your city and state or ZIP code. You will see a list of Wells Fargo branches near you. You can also contact the closest branch to make an appointment with Wells Fargo.

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 to 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!

If you want to explore another option, the Citi Simplicity® Card is a good choice. The card also has a long APR period and no annual fee. You can find more details and how to apply for it in this link.

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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