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 looking for a credit card that offers you attractive benefits and is easy to apply for, then you’ll definitely want to explore the options provided by Wells Fargo.

In this article, we’ll guide you through the benefits, pros and cons, application process, and more, for Wells Fargo Credit Cards.

The Wells Fargo Reflect Credit Card is a standout choice for those looking to transfer balances, boasting one of the lengthiest introductory APR windows in the industry for both new purchases and balance transfers.

However, the card might fall short for those seeking long-term value through rewards or extensive perks.

Overview of Wells Fargo & Co in the Financial Market

Wells Fargo & Co stands as a prominent financial institution in the United States, renowned for its strong reputation and leading position in the banking industry.

Catering to Individual and Business Clients The hallmark of Wells Fargo lies in its extensive array of products, meticulously crafted to cater to the unique requirements of each customer segment.

Wells Fargo Credit Card Offerings: Meeting Diverse Needs

A Gateway to Financial Solutions: Wells Fargo extends its commitment not only to individual clients but also to businesses by providing an assortment of financial solutions.

A Plethora of Credit Card Choices: Among the sought-after offerings from Wells Fargo are its credit cards, a sought-after avenue for obtaining financing across various banks.

The Five Distinct Credit Card Versions: Wells Fargo presents five distinctive credit card versions, tailored to different customer needs: Wells Fargo Active Cash, Hotels.com, Reflect, Autograph, and Bilt Mastercard.

Applying for a Wells Fargo Credit Card

Simple and Online: Initiating the application process for a Wells Fargo Credit Card is hassle-free, allowing applicants to complete the procedure entirely online.

Preparing with FICO Score Knowledge: Understanding your FICO Score is crucial before applying for a Wells Fargo credit card, as it gauges your eligibility against the bank’s criteria.

Meeting Requirements: Fulfilling certain prerequisites, including a positive credit history, valid identification, US residency, and a FICO Score of at least 670, is necessary for applying to any Wells Fargo credit card.

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Exploring Features and Considerations – Unveiling Unique Card Attributes

Each Wells Fargo credit card arrives with its distinct set of features and interest rates, including introductory interest-free periods.

Fees and Penalties: While Wells Fargo credit cards offer numerous advantages, it’s important to acknowledge additional fees like transfer fees, cash advance fees, foreign transaction fees, and penalties for late or missed payments.

Customized Benefits: Wells Fargo tailors credit card benefits to cater to diverse consumer profiles, granting flexibility in choosing a card that optimally aligns with individual needs.

Navigating Application and Conclusion

Initiating Application or Gathering Information: To apply for a Wells Fargo credit card or gather more details about its benefits, visitors can explore the dedicated “Credit Cards” section on the Wells Fargo website.

A Holistic Decision

Selecting the ideal credit card hinges on understanding one’s financial requirements, encompassing both credit limits and benefit maximization.

In conclusion, making a prudent credit card choice necessitates comprehensive comprehension of one’s financial necessities, coupled with a thorough review of the terms and conditions stipulated by Wells Fargo.