Unlock the World of Wells Fargo Credit Card: Benefits, Pros and Cons, How to Apply, and More

Best for: Longest 0% intro period

Credit Card Wells Fargo

★★★★★ 4 Conta Ideal review

★★★★★ 4 Conta Ideal review

Recommended credit score: 670-850

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on Wells Fargo’s secure site

See Rates & Fees

Annual Fee:

$0.00

Regular APR:

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Why We Like It

The Wells Fargo Reflect® Card offers maximum breathing room for paying off a big purchase, with an intro APR period approaching two years.

Pros & Cons

Pros: Unlike most competitors, this card offers the same length of intro APR period on both purchases and qualifying balance transfers.

The card comes with cell phone protection against damage or theft (up to $600, subject to a $25 deductible, when you pay your monthly phone bill with the card).

Cons: The card's balance transfer fee is relatively high. A lower-fee card could save you more overall, even if it carries a shorter intro APR period.

There’s no rewards program, so the card has limited long-term value.

Product Details

Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.

$0 Annual Fee.

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

If you’re in the United States and seeking a credit card that offers attractive benefits with a straightforward application process, Wells Fargo provides a variety of options to suit diverse financial needs.

Overview of Wells Fargo & Co in the Financial Market

Wells Fargo & Co is a prominent financial institution in the United States, renowned for its extensive range of products and services tailored to both individual and business clients. Their credit card offerings are designed to meet various consumer preferences, providing flexibility and value.

Wells Fargo Credit Card Offerings

Wells Fargo offers several credit cards, each catering to different financial goals:

• Wells Fargo Active Cash® Card: This card provides unlimited 2% cash back on purchases, making it ideal for those seeking straightforward rewards without category restrictions. Wells Fargo Credit Cards
• Wells Fargo Reflect® Card: Known for its lengthy introductory APR period, this card is suitable for individuals looking to transfer balances or make large purchases without immediate interest charges. Wells Fargo Credit Cards
• Wells Fargo Autograph® Card: Offering rewards in categories like dining, travel, and gas stations, this card appeals to consumers who want to earn points on everyday spending. Wells Fargo Credit Cards
• Bilt Mastercard®: This card allows users to earn points on rent payments without transaction fees, along with rewards on travel and dining. The Wall Street Journal

Applying for a Wells Fargo Credit Card

The application process for a Wells Fargo credit card is user-friendly and can be completed online.

1. Check Your Credit Score: A FICO Score of at least 670 is generally recommended to meet eligibility criteria.
2. Prepare Necessary Documentation: Ensure you have valid identification and proof of U.S. residency.
3. Submit Your Application: Visit the Wells Fargo website, navigate to the “Credit Cards” section, and select the card that aligns with your financial goals to begin the application.

Features and Considerations

Each Wells Fargo credit card comes with unique features, including:

• Introductory APR Periods: Some cards offer interest-free periods on purchases and balance transfers, beneficial for managing large expenses.
• Fees and Penalties: Be aware of potential fees such as balance transfer fees, cash advance fees, foreign transaction fees, and penalties for late or missed payments.
• Rewards and Benefits: Depending on the card, benefits may include cash back, points on specific spending categories, or travel-related perks.

Making an Informed Decision

Selecting the right credit card involves assessing your financial needs, spending habits, and the specific benefits each card offers. It’s essential to review the terms and conditions of each card to ensure it aligns with your financial objectives.

For more information or to apply, visit the Wells Fargo website and explore the “Credit Cards” section to find a card that best suits your needs.