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The Wells Fargo Replicate Card is a good choice should you’re planning on making a significant buy and want time to pay it off. However there are different playing cards on the market with barely higher stability switch phrases and further perks past low APR.
What We Like:
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Lengthy 0% intro APR interval of as much as 21 months
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No annual price
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As much as $600 of cellphone safety
Intro APR Purchases
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Intro Time period Purchases
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Intro APR Stability Transfers
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Intro Time period Stability Transfers
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Common APR
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Annual Charge
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The Wells Fargo Replicate Card gives an eye catching intro APR supply for brand spanking new cardholders, with as much as 21 months of 0% curiosity on purchases and stability transfers (adopted by 15.24% – 27.24% Variable) from the second you open your account.
The promo makes this top-of-the-line playing cards available on the market for making a giant buy that you just’ll want time to repay, or for unplanned emergency purchases (e.g., your water heater breaks otherwise you want costly automotive repairs) you can’t pay for in full immediately.
That mentioned, it lacks among the bells and whistles provided by just a few of its opponents, and its long-term worth past the preliminary 0% curiosity promo is comparatively minimal.
Key info/overview
- Greatest for — Low buy APR intro
- Annual price — $0
- Welcome supply — 0% intro APR on purchases and stability transfers for 18-21 months
- Common APR — 15.24% – 27.24% Variable
- Different options — $600 protection in opposition to injury or theft of your cellphone should you pay your cellphone invoice with the cardboard
In-depth evaluation
Intro APR supply
New Wells Fargo Replicate cardholders will get not less than 18 months of 0% APR on purchases and stability transfers earlier than the 15.24% – 27.24% Variable kicks in. Cardholders who make all minimal funds on time throughout the introductory interval will obtain an extension of the 0% APR for 3 extra months (21 months complete). That’s top-of-the-line intro gives on the market for purchases, although there are competing playing cards with comparable stability switch offers (see ‘Wells Fargo Replicate Card in contrast’ under).
Stability transfers should be made inside the first 120 days to qualify for the intro APR and include a price of three% of the transferred stability or $5, whichever is increased.
