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](https://www.moneygeek.com/credit-cards/advice/increase-credit-limit-with-wells-fargo/) 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.

MoneyGeek's Take

Wells Fargo Reflect® Card Review

The Wells Fargo Reflect card offers a lengthy 0% introductory annual percentage rate (APR) on purchases and qualifying balance transfers, with incentives for using the credit card responsibly. If you’re looking to finance a new purchase or pay off existing credit card debt without interest, this card may be a good option.

Advertising & Editorial DisclosureLast Updated: 1/20/2023

Reviewed By

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

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 17.24% – 29.24% can result in high interest-only minimum payments if you’re carrying a large balance, and it does not offer rewards.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Has Rewarding Welcome Offer
Recommended Credit
Good–Excellent
Has Balance Transfer Fee
Has Foreign Transaction Fee
High APR

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Wells Fargo Reflect® Card at a Glance

If you have a good to excellent credit score and intend to make large purchases or lower existing debt, the Wells Fargo Reflect card may work for you. It offers up to 21 months of 0% intro APR if you make your minimum payments on time. Additionally, cardholders get up to $600 of cell phone protection against damage or theft when they pay their monthly cell phone bill with the card.

Wells Fargo Reflect® Card
A good no-annual-fee card with a lengthy 0% APR offer
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 18 monthsBalance Transfer Duration
- 18 monthsAPR Offer Duration
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.

Pros & Cons Explained

Wells Fargo Reflect® Card customers enjoy several benefits. However, it is essential to weigh the benefits and drawbacks before applying for the card.

Pros

Benefits
Description
No annual fees
The card does not have an annual fee, a feature that isn’t available in all balance transfer cards.
Generous Intro APR Period
After getting the card, you pay a 0% introductory APR for the first 18 months, with the possibility of extending that to 21 months if you make all your monthly payments on time.
Up to $600 cell phone protection
When you use your card to pay your monthly cell phone bill, you will get up to $600 protection against damage or theft. This amount is subject to a $25 deductible.
Variable APR Rates
The card has a variable APR between 17.24% – 29.24% on purchases and balance transfers.
Statement credit cashback
Through My Wells Fargo Deals, you can access deals from various merchants and earn cashback in the form of a statement credit while using the card to shop or dine.

Cons

Drawbacks
Description
Foreign transaction fee
You will incur a 3% foreign transaction fee on all purchases made using the card outside the United States, although this rate is common with most cards.
Lack of reward programs and a welcome bonus
Wells Fargo Reflect® Card does not offer any welcome perks to its customers apart from the 0% intro APR. It also doesn’t feature travel, hotel and dining rewards.
High credit score threshold
Like most balance transfer cards, the Wells Fargo Reflect card requires that you have good to excellent credit scores.

INTERESTED IN COMPARING THE BEST CREDIT CARDS OF 2022?

MoneyGeek’s methodology entails reviewing the data of every card in its database and highlights the top picks across popular card categories. You can check out our selection of the best balance transfer cards for 2022.

Other Features Explained

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:

Card Feature
Description
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.

MONEYGEEK QUICK TIP

To keep the 0% intro APR status with your Wells Fargo Reflect card, make sure your account is not past due on the last day of each billing cycle. By making timely payments, you may even be able to increase the offer period from 18 months to 21 months.

Understanding the Fine Print

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.

Card Feature
Amount or Rate
APR
17.24% – 29.24% Variable
Annual Fee
$0
Balance Transfer Fee
$5 or 3% in the first 60 days. After that, either $5 or 5%, whichever is greater.
Balance Transfer APR
17.24% – 29.24% Variable
Late Fees
up to $40
Cash Advance Fee
$10 or 5%, whichever is greater
Cash Advance APR
29.99% variable
Foreign Transaction Fee
3%

Regular APR
The Wells Fargo Reflect® Card features a variable APR of 17.24% – 29.24%. 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.

WHERE TO FIND THIS INFORMATION?

When comparing the Wells Fargo Reflect card benefits against other balance transfer cards, it is essential to note its fees and APR. To compare the card with other options, look for information from your last billing statement, the provider’s website or their app. You may also find useful information from the Consumer Financial Protection Bureau’s credit card agreement database.

Who Should & Shouldn’t Consider Wells Fargo Reflect® Card?

Other Considerations for Wells Fargo Reflect® Card

When you apply for any credit card, it’s important to analyze its benefits, terms and conditions, drawbacks and associated fees. Keep in mind the following factors before deciding to pursue a Wells Fargo Reflect® Card application.

Things to Consider if This Will Be Your First or Only Credit Card

If you wish to make this your first or only card, you should consider the relatively high APR rates and balance transfer fees. That’s because you will need to pay interest between 17.24% – 29.24% if you roll your balance over to the next month. However, if you plan to pay your monthly balance before the end of each billing cycle, you can avoid the high interest and get the 0% intro APR offer for at least 18 months and potentially up to 21 months.

Things to Consider if This Will Be an Additional Card in Your Wallet

From zero annual fees to My Wells Fargo Deals that allows you to claim cashback in the form of a statement credit, the card may be a good additional card, especially if you want the option to make balance transfers. However, if you need a card with no foreign transaction fees, you might need to consider other alternatives.

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.

How 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.

Quick Comparison of Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

Annual Fee: $0
Purchase APR: 17.24% – 29.24% 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: 9.74% – 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: 11.74% – 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.

Other Helpful Decision-Making Q&As

The following questions respond to some frequently asked questions about the Wells Fargo Reflect® Card benefits and features that can help you make the best purchase decision.

Still not sure about this card? Consider these options.

If this card does not suit your needs, you may wish to consider taking a look at other balance transfer cards for more options. If you don’t want a balance transfer card, you may benefit from a rewards card or a cash back card.

View All Credit Cards

Learn more about credit cards in general

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.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.