Wells Fargo Reflect Credit Card Introduction

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Full review

Wells Fargo Reflect Credit Card

Up to 21 months of 0% intro APR; no annual fee!

  • Welcome bonus: 21 months interest-free on purchases and balance transfers
  • Rewards: None
  • Redemption: None
  • Annual fee: $0
  • Apply now>>

Highlights

  • Cell phone protection included: If you pay your monthly phone bill with this card, you can get up to $600 in coverage if your phone is damaged or stolen (the first $25 is your responsibility)
  • Free FICO Score: Provides an Experian FICO credit score every month. See: Which free credit score is best?
  • 0% APR for 21 months: Purchases and balance transfers have no interest for 21 months after account opening. Note that although balance transfers do not accrue interest, they do come with a fee of 3% or $5, whichever is greater. For a detailed guide to APR offers, see: Introduction to 0% APR offers

My Take

If you can take advantage of the 21-month interest-free period, this card is a good option. But after that period ends, it doesn’t earn cash back and there isn’t much reason to keep it.

Application

  • Approval difficulty: The application requirements for this card are fairly average. It’s recommended to have more than 1 year of credit history, and having a Wells Fargo checking account helps

Wells Fargo Credit Card Application Guide

  • Application status check link. Or call: (800) 967-9521
  • If you applied for one of their cards within the past 6 months, you will not be approved for a new personal card. For Hotles cards, the restriction is 15 months. For business cards, the restriction is 12 months.
  • Wells Fargo credit cards appear to have an unknown limit on the total number of cards you can hold. You may need an SSN, and you may need to be a U.S. citizen or green card holder to apply.
  • You can call the reconsideration line at 866-412-5956 to speed up credit card approval or request a review of a denied application.
  • Having a Checking account may help with getting approved for a credit card.
  • More about applying for Wells Fargo credit cards

Application Link