With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptio.
Becky Pokora Credit Card Rewards ExpertWith more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptio.
Written By Becky Pokora Credit Card Rewards ExpertWith more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptio.
Becky Pokora Credit Card Rewards ExpertWith more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptio.
Credit Card Rewards ExpertRobin Saks Frankel is a senior credit cards and personal finance writer and editor for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including USA TODAY Blueprint, NerdWallet, Bankrate and.
Robin Saks Frankel is a senior credit cards and personal finance writer and editor for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including USA TODAY Blueprint, NerdWallet, Bankrate and.
Robin Saks Frankel is a senior credit cards and personal finance writer and editor for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including USA TODAY Blueprint, NerdWallet, Bankrate and.
Robin Saks Frankel is a senior credit cards and personal finance writer and editor for Forbes Advisor. Previously, she covered credit cards and related content at other national web publications including USA TODAY Blueprint, NerdWallet, Bankrate and.
Updated: Sep 24, 2024, 12:34pm
Have a question we may not have answered?Ask our editors here
Have a question for Becky Pokora or our other editors?
Ask here for a chance to be featured in a story.
This form is protected by reCAPTCHA Enterprise and the Google Privacy Policyand Terms of Serviceapply.
Send a note to Becky Pokora, Robin Saks Frankel and our other editors. We read every email.
By submitting this form, you agree to allow us to collect, store, and potentially publish your provided information, including name and question, in the article or any related content. You confirm that the submitted content is original, accurate, and non-infringing on any third-party rights. We may contact you via the email address provided for follow-up questions or to notify you if your question is selected for publication. See our Terms of Useand our Privacy Policy.
Thank you for submitting your question.Keep reading Forbes Advisor for the chance to see the answer to your question in one of our upcoming stories. Our editors also may be in touch with follow-up questions.
Continue readingEditorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
Anyone seeking an intro APR or a balance transfer card will likely appreciate that the Wells Fargo Reflect® Card offers a generous 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 17.74%, 24.24%, or 29.49% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies. However, the card doesn’t offer rewards or many other notable benefits beyond cellphone protection, so give it a pass if you don’t need a long introductory APR period.
Wells Fargo Reflect® Card On Wells Fargo's WebsiteOur ratings take into account the card’s rewards, fees, rates along with the card’s category. All ratings are determined solely by our editorial team.
Welcome Bonus Annual Fee Regular APR 17.74%, 24.24%, or 29.49% Variable APR Credit Score Excellent, GoodCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Chase Freedom Flex® On Chase Bank USA, NA's Website Welcome Bonus Annual Fee Credit Score Excellent, Good Regular APR 20.49%-29.24% VariableCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! Capital One Quicksilver Cash Rewards Credit Card On Capital One's Website Welcome Bonus Annual Fee Credit Score Excellent, Good Regular APR 19.99% - 29.99% (Variable)Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn $200 after spending $500 on purchases within 3 months from account openingThe Wells Fargo Reflect® Card is light on features but handy for anyone looking to pay down debt or stretch payments on a large purchase. The main selling point of this card is the long introductory period on both new purchases and eligible balance transfers.
While the introductory rates may entice some applicants, it’s not ideal to use long term. Like most no-annual-fee cards, this one doesn’t come with a large suite of benefits. Notably, purchases don’t earn rewards, which makes the card less attractive than direct competitors that also offer introductory rates.
However, a nice additional perk that’s standard on many Wells Fargo cards is the included cellphone insurance. When you pay your wireless bill with the Wells Fargo Reflect Card, you’ll have access to $600 in coverage per claim for stolen and damaged phones (subject to a $25 deductible). Two claims may be made per year.
However, unless you’ve exhausted all other options, you can find more well-rounded card options than this one.
Why you can trust Forbes Advisor
Our credit card editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.
As a credit card built for anyone looking for an introductory APR on purchases or balance transfers, the Wells Fargo Reflect® Card ranks on a few best credit card lists on our site.
Although there are many cards that offer an intro APR on balance transfers, not all of them also offer an introductory rate on purchases or for as lengthy a term, which sets the Wells Fargo Reflect® Card apart. Customers who meet the transfer eligibility requirements can use this offer to strategically score an interest-free loan on new purchases or existing debt.
Balance transfers won’t accrue interest during the period, but transfer fees still apply. The card offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 17.74%, 24.24%, or 29.49% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies.
Whether you’re making new purchases or transferring debt from an existing card, make sure you can pay off your balance during the intro period. You’ll also need to make sure you’re making at least the minimum payment each month, even during the intro period, to avoid other fees and maintain your credit score.
As a card that doesn’t earn traditional rewards, the best way to maximize the Wells Fargo Reflect® Card is to utilize its balance transfer perks. Make sure to complete a balance transfer within the allotted time of opening your account to take advantage of the card’s introductory APR. If you make a plan to pay off your balance within that time, owning this card could save you significant interest.
Another way to maximize the Wells Fargo Reflect® Card’s benefits is to use the card to pay your monthly cellphone bill. Accidents happen, and by paying your bill with this card each month you will receive insurance for up to two claims of $600 each per year, subject to a $25 deductible.
Finally, you can maximize the Wells Fargo Reflect® Card by receiving cash back through My Wells Fargo Deals. By redeeming My WF Deals, you earn cash back as an account credit when you shop, dine, or enjoy an experience. Most Wells Fargo credit cards are eligible to receive deals, even ones that don’t otherwise earn rewards like the Reflect card.
With a Wells Fargo account, you receive complimentary access to Credit Close-Up. By enrolling for free, you get access to a monthly credit update that includes your FICO Score, full access to your Experian credit report and more without affecting your credit score.
The Citi Double Cash® Card also carries no annual fee and offers a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 19.24% - 29.24%, based on creditworthiness. An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5). However, it also earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off, giving it an advantage over the Wells Fargo Reflect® Card. Double Cash rewards can be redeemed for statement credits, deposited into your checking account or redeemed for travel.
The main perk the Wells Fargo Reflect® Card offers compared to the Double Cash is that the intro APR also extends to new purchases and not just balance transfers.
The Capital One Quicksilver Cash Rewards Credit Card may be an appealing alternative to the Wells Fargo Reflect® Card. It offers a 0% intro APR on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR after that; 3% balance transfer fee for the first 15 months, 4% at a promotional APR that Capital One may offer you (rates & fees).
Although you’re trading some time from the introductory APR, you’re gaining the ability to earn a flat 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel. On top of that, the card also offers a welcome bonus: $200 cash bonus after spending $500 on purchases within 3 months from account opening.
The Capital One Quicksilver Cash Rewards Credit Card comes with other perks that make holding it appealing to hold long term. There are no foreign transaction fees, a $0 annual fee and no minimums to cash out your rewards.
If you’re looking for an all-purpose card that earns elevated rewards across a broad swath of categories, the Chase Freedom Flex® could be the needle in the haystack you’ve been searching for. For an annual fee of $0, the card earns 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.
Rewards come as Chase Ultimate Rewards®, a highly flexible currency that can be redeemed for cash back, travel, gift cards, merchandise or combined with rewards earned from a Chase Sapphire Preferred® Card or Chase Sapphire Reserve® to unlock transfers to one of Chase’s travel transfer partners.