What is the average credit score needed to get approved for Wells Fargo Reflect® Card?

You need good to excellent credit to get approved for the Wells Fargo Reflect® Card.

Does Wells Fargo Reflect® Card report to all three credit bureaus?

Yes, Wells Fargo reports the payment history of its clients to all three credit bureaus, TransUnion, Equifax, and Experian.

Is the Wells Fargo Reflect® Card application process lengthy? Can you prequalify?

Customers can easily complete a Wells Fargo Reflect® Card application online through the provider’s website. They can also get pre-approval and can check whether they qualify through a tool provided on the website.

What information is needed to apply for a Wells Fargo Reflect® Card?

When applying for the card, you will need to provide information about yourself, including your name, country and state of residence, and your contact and financial information. You will also need to specify whether you need to add authorized users to your card or intend to transfer balances to your card, although this information is optional.

Does Wells Fargo Reflect® Card have good customer service or helpful information online?

Yes, Wells Fargo offers 24/7 customer service. There’s a customer service section on its website that responds to common questions across different topics, and phone contacts customers can use to get assistance on card-related challenges.

Does Wells Fargo Reflect® Card have a mobile app or the option to pay or manage your account online?

Wells Fargo has a mobile app for Apple and Android phones. The app allows customers to receive alerts, make transfers and direct deposits to their accounts and lock their cards in case of theft. Customers can also create an account on the company website to manage their card online.

Does Wells Fargo Reflect® Card raise credit limits automatically or charge for limit increases?

Wells Fargo does not raise credit limits automatically for your Reflect card.

Does Wells Fargo Reflect® Card offer the options to freeze your credit/account or have other security features?

Yes, you can freeze your Wells Fargo Reflect credit card. You can do this by calling a representative from the company or through your mobile app.

Does Wells Fargo offer other credit cards besides the Wells Fargo Reflect® Card?

Wells Fargo has several other popular cards aside from the Reflect card. These include the Wells Fargo Active Cash® Card and the Hotels.com Reward Visa Credit Card.

Wells Fargo Reflect® Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Wells Fargo Reflect® Card
A good no-annual-fee card with a lengthy 0% APR offer
- 0% Intro APR (then variable APR)Balance Transfer Offer
- 21 monthsBalance Transfer Duration
- 17.99% – 29.99% VariableAPR
- 5% for each balance transfer, minimum $5Balance Transfer Fee
- Good–ExcellentRecommended Credit
We recommend the Wells Fargo Reflect® Card to people who’re looking for 0% APR cards with no annual fees. This card comes with a 0% introductory APR for 18 months on purchases and balance transfers. In addition, if you make on-time payments, you may qualify for an extension of up to three more months.
All cardholders get complimentary cellphone insurance and access to 24/7 emergency roadside assistance. If you plan to use your card outside of the U.S., you’ll need to pay a 3% foreign transaction fee.
Pros
No annual fee
Up to $600 cellphone protection for eligible theft or damage
0% introductory APR on new purchases and balance transfers
Opportunity to extend introductory APR period with timely payments
Zero liability protection
Competitive variable APR

Cons
No rewards program or welcome bonus
Foreign transaction fee of 3%
Balance transfer fee increases from 3% to 5% after 120 days
Introductory APR may lapse if you don't make on-time payments
0% APR offer on purchases and balance transfers for up to 21 months
No annual fee
$600 cellphone protection available for those who pay their monthly cellphone bill with this card
Cash back is available in the form of statement credit through My Wells Fargo Deals
24/7 on-demand roadside dispatch network that offers roadside assistance, locksmith services and towing
$40 late fee
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

WHY TRUST OUR REVIEWS

To review credit cards, MoneyGeek utilizes a thorough methodology based on various factors. The procedure involves analyzing credit card information from the Consumer Finance Protection Bureau’s database, standardizing data points and spend profiles, then assessing annual and introduction bonuses as well as conducting regular re-ranking.

MoneyGeek analyzes the Wells Fargo Reflect® Card’s features and benefits in this report. Its main appeal is that it has no annual fee and has a 0% APR welcome offer. That means there’s no interest on purchases or balance transfers for 18 months from when you open your account, which may be extended for another three months if you make all your minimum payments on time.

You should note that its variable APR of 17.99% – 29.99% can result in high interest-only minimum payments if you’re carrying a large balance, and it does not offer rewards.

Wells Fargo Reflect® Card Overview

Quick Take

0% APR offer on purchases and balance transfers for up to 21 months
No annual fee
$600 cellphone protection available for those who pay their monthly cellphone bill with this card
Cash back is available in the form of statement credit through My Wells Fargo Deals
24/7 on-demand roadside dispatch network that offers roadside assistance, locksmith services and towing
$40 late fee

Important Card Details

Is Wells Fargo Reflect a good card? The numerous benefits of the card make it an excellent choice for individuals seeking to transfer balances from other credit cards. However, you need to understand the fees associated with the card before applying for it.

Regular APR
The Wells Fargo Reflect® Card features a variable APR of 17.99% – 29.99%. The interest applies to purchases and balance transfers. That means you will attract an interest rate of varying amounts if you carry any balances on your card past the due date. The APR for cash transfers and overdraft protection advances is somewhat high, at 29.99%.
Cash advance fees
After the Wells Fargo Reflect® Card application, you will pay a cash advance fee of $10 or 3% of the amount, whichever is greater. For example, if you take a cash advance of $1000, 5% of this is $50, which you will pay instead of the $10.
Late Payment Fees
With this card, you will pay a late fee of up to $40 and for returned or non-sufficient (NSF) payments.
Overdraft Protection Advances Fee
You will pay an overdraft protection advance fee of $12.50 if the total advance for the day is not more than $50. The fee amount increases to $20 if the advance for the day is more than $50.
Balance Transfer Fee
The Wells Fargo Reflect card has an introductory balance transfer fee of either $5 or 3% of the transfer amount, whichever is greater. This fee is only valid for 120 days from opening your account. Afterward, the rate will be 5% for all transfers with a minimum of $5.
Foreign Transaction Fees
The card has a foreign transaction fee of 3%. That means you will be charged 3% of the amount you pay for transactions outside the U.S.

Additional Benefits

Aside from the Wells Fargo Reflect® Card benefits, there are also various features that make the card an excellent option for customers. Here is a highlight of some of them:

Authorized user: You can add an authorized user to your card and track their spending
Roadside Assistance: The card has a 24/7 on-demand dispatch network that offers emergency roadside assistance, locksmith and towing services.
Balance transfer: The card allows you to transfer outstanding balances from other cards. With its 0% interest for 18 months, this could be very helpful in paying off debts.
Cellular Telephone Protection: With the card, you will get cell phone protection for the first day of the month following your first cell phone payment using the Wells Fargo Reflect credit card.
Emergency Cash Disbursement and Card Replacement: If your card is stolen or lost, you can receive an emergency cash advance or your card replaced within three days.
Customer service: Wells Fargo allows you to contact a customer service representative any time during the day or night.

How the Wells Fargo Reflect® Card Compares To Other Cards

Most people choose this card because the provider charges no annual fee and provides an attractive intro balance transfer APR. However, you may need to compare it against other balance transfer cards to ensure that you find the best option for your needs.

How the Wells Fargo Reflect® Card Compares

Wells Fargo Reflect® Card

Annual Fee: $0
Purchase APR: 17.99% – 29.99% variable
Foreign Transaction Fee: 3%
APR Offer on Purchases: 0% for 18 months
Balance Transfer APR: 0% for 18 months
Minimum Security Deposit: None
Cash Advance Fee: $10 or 5%
Cash Advance APR: 29.99%
Late Fee: $40
Best For: Best suited for individuals that need a card that allows balance transfers with an attractive intro APR on purchases

Navy Federal Credit Union Platinum card

Annual Fee: $0
Purchase APR: 10.99% – 18% variable
Foreign Transaction Fee: None
APR Offer on Purchases: none
Balance Transfer APR: 0% for 12 months
Minimum Security Deposit: None
Cash Advance Fee: 0%
Cash Advance APR: 12.99% – 20.00%
Late Fee: up to $20
Best For: Best for individuals seeking a balance transfer card with low APR rates, zero annual fee and low penalty rates.

Frequently Asked Questions

sources

Wells Fargo. "0% intro APR offer | Wells Fargo Reflect® Card." Accessed February 25, 2022.
Wells Fargo. "Wells Fargo Visa Reflect Credit Card Credit Terms and Conditions." Accessed February 25, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

Wells Fargo Reflect® Card Review

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