Wells Fargo Reflect Visa Credit Card Review -Lengthy 0% Period Makes It Worthy?

good and bad

full review

Here’s a full review of the Wells Fargo Reflect Visa Credit Card.

Rates and Fees

You can check all the terms and conditions of Wells Fargo Reflect Visa Credit Card Fees Here.

Why Can You Get a Wells Fargo Reflect Visa Credit Card?

Here are 7 benefits of the Wells Fargo Reflect Visa Credit Card that could be beneficial to you.

#. 1. No Annual Fee

The Wells Fargo Reflect Visa Credit Card has no annual fee, and you can enjoy a 0% introductory APR of 21 months at no cost for 21 months. The Reflect credit card is a Wells Fargo Platinum credit card extension that also charges 0% APR for 18 months.

# 2. 0% introductory APR for 18 months.

true and original benefits of Wells Fargo Reflect Visa Credit Card It has introductory APR offerings. The Wells Fargo Reflect VisaSM Credit Card offers you a 0.00% introductory APR for 18 months from the date of account opening and an APR extension of 3 months if you make at least the minimum payment due date during its introductory and extension periods .

After the introductory period is over, you will be charged a regular APR between 12.99% to 24.99%. Regular APR is not predetermined. These will be calculated on your creditworthiness, credit history etc. If you have excellent credit history, the regular APR will be 24.99% and will be reported at the time of credit card approval.

# 3. Cellular Telephone Security

Wells Fargo gives you cellular telephone security. Your cellular protection begins when you make the first payment using an eligible Wells Fargo consumer credit card and will remain eligible if you continue to pay bills with the card.

Cellular telephone security reimbursement is limited to damage to your phone or theft of your cell phone. However, you should know that this insurance is a supplement to another insurance policy (for example, a cell phone insurance program or another similar program).

This cellular telephone protection can only be applied when all other insurance has been exhausted.

Cellular telephone security will not apply if…..

• If the cell phone bill is paid with a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card, or a card connected to a credit line.
• cell phones that are rented, borrowed, or obtained as part of a prepaid plan or “pay as you go” type plan; And
• Electronic failure or software related problems of the device.
• Lost cell phones (ie disappear without explanation).

You can find out more about this protection by calling 1-866-804-4770 or collect calls outside the US 1-303-967-1096, 24 hours a day.

# 4. Emergency cash disbursements.

Visa can arrange emergency cash for you on behalf of Wells Fargo Bank within 24 hours of your request. However, all costs and expenses related to these services will be charged to your credit card account. You can request emergency cash by calling Visa Global Customer Care Services at 1-800-397-9010 or calling the Visa Direct Line 1-303-967-1096 24.

# 5. Roadside Dispatch

Wells Fargo also offers the Reflect Visa Credit Card Roadside Dispatch Assistance Program. You can read all the details about it program here.

Why would you want to go for another card?

Here are the main disadvantages of the Wells Fargo Reflect Visa credit card, which is why switching to another credit card.

# 1. Introductory APR. the loss of

0% APR for 21 months is one of the best benefits of this credit card, however, if you miss a single payment or you are not able to make the credit card dues by the due date, your introductory APR will expire, And regular purchases and balance transfer will be applicable in your purchases ranging from 12.99% to 24.99%.

#. 2. You Can’t Be Suitable For introductory Proposal.

You Won’t Be Offred Wells Fargo Reflect Visa Credit Card introductory Offer if you check the below condition.

• You have applied for a Wells Fargo credit card in the past 15 months.
• Your credit card was approved in the last 15 months.
• You have taken advantage of introductory APR(s), fees, and/or bonus rewards offers.
• Even you have closed the previous credit card with zero balance.

Then, you are not eligible Initial Annual Percentage Rates.

#. 3. Your Credit Limit can be reallocated.

Let’s say you have a Wells Fargo credit card in your wallet; However, for some reason, you have not been able to use it in the last six months, and you are applying for an additional card. In that case, your credit limit will be allocated between your existing and new credit cards.

For credit limit allocation between two credit cards, you must obtain consent from Wells Fargo. Because of this your range may not be good.

# 4. High Foreign transaction fee.

NS Wells Fargo Reflect Visa Credit Card Charges you a 3% foreign transaction fee, which is high compared to other credit cards in the market.

Here Visa is responsible for all foreign transaction fees. When you make transactions using a Visa card in a currency other than US dollars, Visa converts these transactions to US dollar amounts. NS

#5. no prize

There are no reward points or cashback discounts on the transactions done. If you do any transaction like shopping, gas station expenses, you will not be Offred Reward Points. This is one of the main drawbacks of this credit card.

Read more: Credit One Bank Platinum Visa to Rebuild Credit 2021 Review

quick comparison

What are the Better Alternatives to the Wells Fargo Reflect Visa Credit Card?

We have analyzed the different types of credit cards that can give you better value for your money spent. These include the following:

• US Bank Visa® Platinum Card

Wells Fargo Reflect Visa Credit Card Vs. US Bank Visa® Platinum Card

It is clear from the above comparison that the Wells Fargo Reflect Visa Credit Card has the upper hand over the US Bank Visa® Platinum Card. The Reflect Visa Credit Card offers a 21 month 0% APR, compared to the US Visa Platinum Card, which offers a 20 month 0% APR.

Is the Wells Fargo Reflect Visa Credit Card Right for You?

In addition to the 0% APR, this credit will not hurt your wallet as this credit card will not charge an annual fee. However, this credit card doesn’t offer any reward points or cashback, so you might find yourself graduating for a different card for a longer period.