Wells Fargo Reflect credit card with no annual fee


Credit cards with no initial interest rate are ideal for large purchases or consolidating debt. With the Wells Fargo Bank Reflect Card you get a maximum of 21 months of 0% APR interest-rate, and you do not have to pay an annuity to use it.

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APR: 18.24%
Card type: Credit card
Supplier: Visa
Card limits
Credit limit: Consult
Daily limit: Consult
Fees and commissions
Issue fee: Consult
Replenishment Commission: Consult
Annuity: $ 0

Additional information of Wells Fargo Reflect credit card

Wells Fargo Reflect CardGetting the Reflect credit card from Wells Fargo bank only requires you to be of legal age and citizenship/green card. It's a process you can do online or in person and has a couple of eligibility limitations:

  • They might not give you an additional credit card if you got a Wells Fargo card 6 months ago.
  • You may not qualify for this introductory rate if you hired a card from this bank 15 months ago or more.

Initially, this banking product includes an interest rate of 0% for 18 months for purchases and balance transfers. However, you can request an extension of 3 more months if at no time have you been late with the minimum payment, reaching 21 months without interest.

Once this first period is over, your interest rate will range from 18.24% to 29.99% APR, depending on your credit score and the solvency you can demonstrate.

In combination with this, you have the advantages of this plastic:

  • Contactless technology to streamline your operations.
  • Coverage for your smartphone for up to $600 in case of theft or damage.
  • Wells Fargo Mobile app to check balances, make transfers, set alerts and more.
  • Zero liability protection for unauthorized and timely reported charges.

The charges associated with this plastic are usually:

  • Late payment: Up to $40
  • Returned Payment: Up to $40
  • Cash advance (29.99%): 5% of the amount or $10 (whichever is greater)
  • Balance transfer (within the first 120 days): 3% of the amount or $5 (whichever is greater)

The Wells Fargo Reflect Card wants to give you the opportunity to get out of debt at a lower rate and shop interest-free for a year and a half.

With this entity you can also contract the Active Cash card, without an annual fee and with a cash back of 2% of all your purchases.

En español: Tarjeta Reflect de Wells Fargo