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Our specialists reply readers' bank card questions and write unbiased product opinions (this is how we assess bank cards). In some instances, we obtain a fee from our companions; nevertheless, our opinions are our personal. Phrases apply to affords listed on this web page.
Wells Fargo Mirror® Card
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Wells Fargo Mirror® Card
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Wells Fargo Mirror® Card
Particulars
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Really useful Credit score
Good to Wonderful
Common Annual Proportion Charge (APR)
17.74% - 29.74% variable
Intro Annual Proportion Charge (APR)
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval)
Execs & Cons
Highlights
Extra Studying
The Wells Fargo Mirror® Card is among the absolute greatest steadiness switch bank cards if you happen to're on the lookout for a protracted intro APR on steadiness transfers and new purchases. It would not earn rewards, nevertheless, so you may obtain little worth from the cardboard after the interest-free interval expires (which is adopted by a 17.74% - 29.74% variable APR) until you make the most of its beneficiant mobile phone safety.
Wells Fargo Mirror Card Evaluate: Is It the Greatest Credit score Card for You?
Let's get the worst bit out of the way in which first: The Wells Fargo Mirror® Card earns no rewards for spending.
Whereas competing 0% intro APR playing cards just like the Citi® Double Money Card (0% intro APR on steadiness transfers for 18 months, then a 18.74% - 28.74% Variable APR), Wells Fargo Lively Money® Card (0% intro APR on purchases and qualifying steadiness transfers for 15 months from account opening, then a 19.74%, 24.74%, or 29.74% Variable APR), and Uncover it® Money Again (0% intro APR for 15 months on purchases and steadiness transfers, then a 16.74% - 27.74% Variable APR) provide a wholesome return every time they're swiped, the Wells Fargo Mirror® Card atones for its rewards deficiency by providing one of many greatest introductory APR affords we have seen: 0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), adopted by a 17.74% - 29.74% variable APR. I will clarify why that is so uncommon.
The Wells Fargo Mirror® Card would not provide a slew of ongoing advantages (the one perk price mentioning is its mobile phone insurance coverage price as much as $600 per declare). However as a result of the cardboard prices a $0 annual price, you may freely maintain it ceaselessly.
Here is why this card sits excessive on the 0% intro APR bank card meals chain.
Wells Fargo Mirror Rewards
This card would not earn any rewards on your spending. It additionally presently doesn't provide a sign-up bonus. In the event you're thinking about incomes money again, airline miles, or lodge factors, you aren't the Wells Fargo Mirror® Card's target market.
The Mirror is particularly for many who both wish to pay down debt or have an imminent and sizable buy they know they will not have the ability to repay in a single billing cycle.
Loads of playing cards exist that supply each an interest-free interval and rewards on your purchases. Nevertheless, the intro APR phrases aren't fairly as beneficiant because the Wells Fargo Mirror® Card. For instance, the Chase Freedom Flex℠
affords 0% intro APR on purchases and steadiness transfers for the primary 15 months (then a 19.49% - 28.24% Variable APR). That is a a lot shorter 0% rate of interest timeframe than what's supplied by the Wells Fargo Mirror — however the Chase Freedom card additionally earns as much as 5% money again on purchases.
Whatever the 0% intro APR card you select, do not forget that you may nonetheless have to make the cardboard's minimal fee every billing cycle. You will not accrue curiosity, however you need to nonetheless make funds to maintain the account in good standing.
Wells Fargo Mirror Card Curiosity Charge
The Mirror card affords 0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), adopted by a 17.74% - 29.74% variable APR. You could full a steadiness switch inside 120 days of account opening to qualify for the intro 0% APR fee. That is among the best intro APR affords in the marketplace.
Here is how the interest-free Mirror provide works: Upon opening the cardboard, you may obtain 18 months of zero curiosity. In the event you make your minimal funds on time throughout the preliminary interval, you may qualify for a three-month 0% APR extension (then a 17.74% - 29.74% variable).
A 21-month intro steadiness switch card provide is not extraordinary — you could find comparable affords on playing cards just like the Citi® Diamond Most popular® Card (common APR of 17.74% - 28.49% Variable) and the Citi Simplicity® Card
(common APR of 18.74% - 29.49% Variable). However to supply the identical phrases for brand spanking new purchases is unbelievable. You will be hard-pressed to search out any card that provides zero curiosity lasting greater than 15 months for purchases. That is what makes this card stand above the others.
Wells Fargo Mirror Credit score Rating
You will want a minimum of a superb credit score rating to be eligible for the Wells Fargo Mirror® Card. Good credit score is outlined by FICO as any rating of 670 and above.
This doesn't suggest you may mechanically be denied in case your rating is decrease than this — nor does it imply you may be mechanically authorized in case your rating is inside vary. Banks don't reveal all of the components they take into account when inspecting your software.
Wells Fargo Mirror Card Advantages and Options
Cellular phone safety
The Wells Fargo Mirror® Card affords as much as $600 of automated mobile phone safety while you pay your month-to-month cellphone invoice with the cardboard. You will have to solely pay a $25 deductible per declare. That is an abnormally low deductible amongst playing cards that supply mobile phone insurance coverage. Playing cards just like the Ink Enterprise Most popular® Credit score Card demand a $100 deductible while you file a declare.
You possibly can submit two claims per 12-month interval. Simply observe that you simply aren't lined for telephones which are misplaced.
Roadside dispatch
Mirror cardholders have entry to a roadside dispatch hotline, which may organize providers like commonplace towing, tire altering, lockout service, and gas supply for a flat price (presently $69.95). This may very well be useful if you happen to do not in any other case have roadside help by way of AAA or your private insurance coverage coverage.
Emergency money disbursement and card substitute
In case your Mirror card is misplaced, broken, or stolen, you may get an emergency money advance and have your card changed inside one to 3 days after contacting Visa World Buyer Care Companies at 800-847-2911. All prices and bills are the accountability of the cardholder, together with money advance and curiosity charges.
No annual price
The Wells Fargo Mirror® Card incurs a $0 annual price. Meaning the cardboard might help to domesticate a superb credit score rating by bolstering the size of your credit score historical past.
It is a good observe to spend in your playing cards each six months or so to make sure they don't seem to be closed as a result of inactivity.
Wells Fargo Mirror® Card
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Wells Fargo Mirror® Card
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Wells Fargo Mirror® Card
Particulars
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Really useful Credit score
Good to Wonderful
Common Annual Proportion Charge (APR)
17.74% - 29.74% variable
Intro Annual Proportion Charge (APR)
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval)
Execs & Cons
Highlights
Extra Studying
Wells Fargo Mirror Annual Payment and Different Prices
Although the Wells Fargo Mirror® Card would not include an annual price, there are different charges and prices to look at for. In the event you carry a steadiness on the cardboard after the no-interest interval, you may be charged a 17.74% - 29.74% variable APR.
Different charges apply in sure circumstances, together with:
- International transaction price: 3% of every transaction transformed to US dollars (for worldwide purchases, use one of many greatest bank cards with no international transaction charges as an alternative)
- Stability switch price: Introductory price of both $5 or 3% of the quantity of every steadiness switch, whichever is bigger, for 120 days from account opening (after that, as much as 5% for every steadiness switch, with a minimal of $5)
- Money advance price: Both $10 or 5% of the quantity of every advance, whichever is bigger
- Late fee price: As much as $40
Wells Fargo Mirror vs Lively Money and Autograph Card
Wells Fargo Mirror vs Different 0% Intro APR Credit score Playing cards
Wells Fargo Mirror Continuously Requested Questions (FAQ)
With a $0 annual price, you don't have anything to lose by opening the Wells Fargo Mirror® Card. It is a good card if you happen to're thinking about a prolonged 0% APR provide for each purchases and steadiness transfers — and even simply tremendous low cost mobile phone insurance coverage.
The Wells Fargo Mirror® Card doesn't earn rewards. It is marketed for many who need an interest-free interval on qualifying steadiness transfers and new purchases.
You are able to do a Wells Fargo steadiness switch by way of your Wells Fargo on-line account, or by calling the quantity on the again of your card. You will be requested for the creditor's identify, account quantity, and steadiness switch quantity earlier than you may full the switch. You should definitely make any steadiness switch requests inside 120 days of account opening to qualify for the cardboard's introductory no-interest interval.
The bottom credit score restrict you may obtain on the Wells Fargo Mirror card is $1,000. However, relying in your credit score rating, historical past, earnings, and relationship with Wells Fargo, your preliminary credit score line may very well be a lot greater. In the event you've already had the cardboard for a minimum of six months and also you're in good standing, you may name Wells Fargo at 800-642-4720 to request a credit score restrict improve.
In case your Wells Fargo Mirror® Card is misplaced or stolen, you must instantly report it and request a substitute Wells Fargo card by calling 800-869-3557 (if you happen to're exterior the nation, name acquire at 925-825-7600). You too can request a substitute by way of your Wells Fargo on-line account, or by visiting www.wellsfargo.com/replacemycard. It usually takes 5 to 7 enterprise days to obtain a substitute within the mail.
Methodology: How we reviewed the Wells Fargo Mirror Card
We're centered right here on the rewards and perks that include every card. These playing cards will not be price it if you happen to're paying curiosity or late charges. When utilizing a bank card, it is necessary to pay your steadiness in full every month, make funds on time, and solely spend what you may afford to pay.
Insider assessed the Wells Fargo Mirror® Card compared to different playing cards that supply 0% curiosity on steadiness transfers and new purchases. We gave it excessive scores for the size of its interest-free interval and lack of annual price; nevertheless, as a result of it would not earn rewards or provide a welcome bonus or robust advantages, we ranked it decrease than intro APR playing cards just like the Wells Fargo Lively Money® Card and Chase Freedom Limitless®.
You possibly can learn extra about Insider's methodology in our information to how we fee bank cards.
Wells Fargo Mirror® Card
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Wells Fargo Mirror® Card
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Wells Fargo Mirror® Card
Particulars
Intro provide
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval), then 17.74% - 29.74% variable APR
Really useful Credit score
Good to Wonderful
Common Annual Proportion Charge (APR)
17.74% - 29.74% variable
Intro Annual Proportion Charge (APR)
0% intro APR for 18 months from account opening on purchases and qualifying steadiness transfers (three months intro APR extension with on-time minimal funds throughout the intro interval)
Execs & Cons
Highlights
Extra Studying
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