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Wells Fargo Reflect® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
No offer available
$0
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 29.24% Variable APR thereafter.
Good to Excellent (670-850)
Wells Fargo Reflect® Card
The Wells Fargo Reflect Card offers a long intro APR period without an annual fee.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
Summary
The Wells Fargo Reflect® Card is a great option for those looking for a long intro APR window on purchases and qualifying balance transfers without an annual fee.
Card Details
Card Snapshot
Welcome Bonus & Info
Select “Learn More” 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. 17.49%, 23.99% or 29.24% 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.
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1094+ Expert Credit Card Guides
Great Card If
You are looking for a card with a long intro APR on purchases and qualifying balance transfers
Don’t Get If
You want a card that earns rewards
Wells Fargo Reflect Card — Is It Worth It?
If you need to transfer a large balance from another credit card or are looking for a card that can help you finance a large upcoming purchase, the Wells Fargo Reflect® Card might be the perfect option for you.
Thanks to its long 21-month intro APR offer, you’ll have quite a lot of time to pay down any high-interest qualifying balances from another credit card or the opportunity to finance a large purchase for 21 months without worrying about interest accruing.
Wells Fargo Reflect Card — Top Benefits
Introductory APR Offer
The Wells Fargo Reflect Card offers one of the longest introductory APR periods on the market:
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a variable APR of 17.49%, 23.99% or 29.24%. Note 5% for each balance transfer, with a minimum of $5.
Cell Phone Protection
With the Wells Fargo Reflect Card, you’ll receive up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card, with a $25 deductible and a maximum of 2 paid claims per 12-month period.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash-back
$0
0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
Why We Like This Card
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros & Cons
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash® Card Travel Portal Special Offer Earn a total of 5 ThankYou® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.
Financial Snapshot
APR: 0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
If you’re looking for a great card that offers an intro APR offer and earns rewards, then the Double Cash card might be a better fit for you. In addition to its intro APR offer, you’ll earn an uncapped 2% cash-back on all purchases (with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases), and a $0 annual fee.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash-back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros & Cons
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The Freedom Unlimited card is another great option for a card that offers an intro APR offer on purchases and balance transfers while still earning rewards. With it, you’ll earn 5% cash-back on travel purchased through Chase Travel, 3% on dining and drugstore purchases, and 1.5% on all other purchases. Plus, it charges a $0 annual fee and has great protections like purchase protection, extended warranty protection, and rental car insurance.
The information regarding the Wells Fargo Reflect® Card was independently collected by Upgraded Points and not reviewed nor provided by the issuer. The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
![Chase Freedom Unlimited Card — Full Review [2024]](https://upgradedpoints.com/wp-content/uploads/2019/04/13550_10036399.png?auto=webp&disable=upscale&width=700)
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