Wells Fargo Reflect Card Cash Back Review and Alternatives

The Wells Fargo Reflect Card is a popular choice for those seeking a cash back credit card with a unique rewards structure. It offers 0% intro APR for 18 months from account opening date, which can be a huge benefit for those who need time to pay off existing debt.

The card's rewards program is straightforward, offering 2% cash back on purchases made in your first 12 billing cycles after account opening, 1% cash back on all other purchases, and 3% cash back on gas purchases for the first 12 billing cycles.

This card is a great option for those who want to earn cash back on their everyday purchases, but it's not the only game in town.

You can manage your Wells Fargo credit card payments on the go with the Wells Fargo Mobile app. Simply download the app to make same-day payments, schedule future payments, and view your credit card activity.

To make payments easy and hassle-free, you can set up Autopay. This feature automatically deducts your payment from the account you choose, so you don't have to worry about adding your credit cards each time.

With Autopay, you can also take advantage of the convenience of having your Wells Fargo credit cards already linked to your account, so you can make payments without having to add them manually.

You can pay your Wells Fargo credit card bill online, and it's surprisingly easy. Simply sign on to Wells Fargo Online or download the Wells Fargo Mobile app to get started.

To make a same-day payment, you can use the app or website to schedule it. You can also set up Autopay, which will automatically deduct your payment from the account you choose.

One of the best features of Autopay is that you don't need to add your Wells Fargo credit cards separately - they're already linked and ready to go.

If you're short on time, you can also use the app to make a quick payment from your mobile device.

Here are some ways to pay your Wells Fargo credit card bill online:

You can get quick text or email notifications for various transactions, including declined transactions.

Declined transactions are one alert option, which can help you stay on top of your account activity.

Foreign transactions and online, phone, or mail purchases are also eligible for notifications.

Purchases exceeding a set amount can be set up to alert you, giving you more control over your spending.

Here's a breakdown of the available alerts:

Your Wells Fargo Credit Card comes with Zero Liability protection at no extra cost. This built-in protection feature helps ensure you won't be held responsible for any unauthorized transactions.

To qualify for this protection, you must report the transactions promptly. This means keeping a close eye on your account activity and reporting any suspicious charges right away.

As long as you report unauthorized transactions promptly, you won't be held liable for them. This gives you peace of mind when using your credit card for transactions.

The Wells Fargo Reflect Card has a few fees to be aware of. The card doesn't come with an annual fee, which is a plus.

You'll need to watch out for the 17.24%, 23.74%, or 28.99% Variable APR if you carry a balance on the card after the no-interest period. This APR applies to purchases and qualifying balance transfers.

Other fees include a foreign transaction fee and a balance transfer fee. The foreign transaction fee is 3%, and the balance transfer fee is 5% (minimum $5).

The Wells Fargo Reflect Card is a great option if you're looking to avoid annual fees. It incurs a $0 annual fee, which can help cultivate a good credit score by bolstering the length of your credit history.

If you're not planning to use your card frequently, it's a good practice to spend on your cards every six months or so to ensure they aren't closed due to inactivity.

However, it's worth noting that carrying a balance on the card after the no-interest period can result in a 17.24%, 23.74%, or 28.99% Variable APR.

In some cases, you may also be charged a foreign transaction fee for international purchases.

The Wells Fargo Reflect Card has a 0% intro APR for 21 months on purchases and qualifying balance transfers, but be aware that a balance transfer fee of 5%, min: $5 applies.

The ongoing APR is 17.24%, 23.74%, or 28.99% Variable APR after the intro period.

There's also a foreign transaction fee of 3%, making it a better option for international purchases to use a credit card with no foreign transaction fees instead.

You'll only pay a lower balance transfer fee of 3% for 60 days from account opening with the BankAmericard credit card, then 4%.

Here's a quick rundown of the Wells Fargo Reflect Card's fees and rates:

If you're not sure the Wells Fargo Reflect Card is the right fit for you, consider these alternatives. The U.S. Bank Visa Platinum Card is another solid balance transfer card with a long introductory APR period.

You might also want to look into the Citi Double Cash Card, which offers ongoing value after you've paid off your debt. The Wells Fargo Active Cash Card is another option to consider, with rewards that give it long-term value in addition to its introductory APR offers.

If you're interested in exploring other options, visit NerdWallet's roundup of best credit card offers for a comprehensive list.

If you're not sure the Wells Fargo Reflect Card is right for you, there are other options to consider.

The U.S. Bank Visa Platinum Card is another solid balance transfer card with a long introductory APR period. This can be a good choice if you need time to pay off your debt.

The Citi Double Cash Card offers ongoing value after you've paid off your debt. This card may be a good fit if you're looking for long-term rewards.

The Wells Fargo Active Cash Card also offers rewards that give it long-term value in addition to its introductory APR offers.

If you're considering a credit card, be aware that there are potential drawbacks to think about.

Some credit cards come with annual fees that can be high, so it's essential to factor that into your decision.

For example, if you're looking for alternative credit card options, you can visit NerdWallet's roundup of best credit card offers.

Credit card interest rates can also be a drawback, especially if you're not paying off your balance in full each month.

To avoid overspending, set a budget and stick to it, and make sure to review your credit card terms carefully.

The Wells Fargo Reflect Card Cash Back has some great rates and details that are worth noting. The annual fee is $0, which is a nice perk.

You can enjoy a 0% intro APR for 21 months on purchases and qualifying balance transfers. This can be a huge help if you need to make a big purchase or pay off debt. The ongoing APR is a variable rate, but it's not specified what that rate is - you'll need to check the Important Credit Terms for that information.

The balance transfer fee is 5%, with a minimum of $5. If you're planning to transfer a balance, this is something to keep in mind. You'll also pay a 3% foreign transaction fee if you use the card internationally.

Here are the key rates and details at a glance:

The Wells Fargo Reflect Card Cash Back also offers some extra benefits, like cell phone protection against damage or theft, and access to personalized deals through My Wells Fargo Deals.

The Wells Fargo Reflect Card is a solid option for those looking for a card with a 0% intro APR on purchases and balance transfers.

The card has no annual fee, which is a major plus.

The APR after the intro period is 17.24%, 23.74%, or 28.99% Variable APR, depending on your creditworthiness.

We assess credit cards by comparing their features, such as fees, interest rates, and rewards, to those of other cards in their class. This helps us give a fair rating of each card's value.

Our ratings are based on both quantitative and qualitative factors. Quantitative features include fees, interest rates, and rewards, while qualitative factors consider how easy it is for a typical cardholder to get good value from the card.

We consider factors like the ease of application, simplicity of the rewards structure, and whether a card is well-suited to everyday use or is best reserved for specific purchases. This helps us give a well-rounded view of each card's strengths and weaknesses.

Our star ratings serve as a general gauge of how each card compares with others in its class, but they're just one consideration when choosing a credit card.

The Wells Fargo Reflect Card is a great option for those looking for a low-fee credit card.

The annual fee for this card is $0, which is a huge plus for those who want to avoid unnecessary charges.

You can expect a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.

After the intro period, the ongoing APR will be 17.24%, 23.74%, or 28.99% Variable APR, depending on your creditworthiness.

If you're planning to make purchases or transfers abroad, be aware that the foreign transaction fee is 3%.

Balance transfers will also incur a fee, which is either $5 or 5% of the transferred amount, whichever is greater.