How to apply for the Wells Fargo Reflect® Card?

Balance transfers, fees, and benefits 

Offering a 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers, coupled with a no annual fee policy, Wells Fargo Reflect® Card presents an attractive option for those seeking to optimize their financial resources.

It’s crucial to bear in mind that there isn’t a grace period available for balance transfers. Interest starts accumulating from the day the balance transfer is recorded on your account. 

Furthermore, understand that the balance transfer fee linked with the Wells Fargo Reflect® Card may fluctuate.

Upon initiating a balance transfer, it may take up to 14 days for the transfer to be posted to your account. Moreover, balance transfers are processed based on approval, with the amount issued up to your available credit limit and may include any applicable balance transfer fees.

Unlock exclusive deals and savings through My Wells Fargo Deals, where personalized offers from a range of merchants await. Earn cash back as an account credit while taking advantage of these tailored incentives. 

Explore Credit Close-up℠, a feature that provides monthly updates on your FICO® Score and offers personalized insights to help you navigate your financial landscape more effectively. Best of all, using this service won’t negatively impact your score.

Security features of the Wells Fargo Reflect® Card

One of the standout features of the Wells Fargo Reflect® Card is its comprehensive coverage for your cell phone against damage or theft. With up to $600 in protection and a minimal $25 deductible, you can rest assured that your device is safeguarded. 

Moreover, the Wells Fargo Reflect® Card offers 0% liability protection, shielding cardholders from fraudulent charges when reported promptly.

The card also provides access to Wells Fargo’s 24/7 on-demand referral dispatch network, offering assistance ranging from emergency roadside aid to locksmith services, ensuring peace of mind in various situations.

Eligibility criteria for the Wells Fargo Reflect® Card

It’s important to note that if you have opened a Wells Fargo credit card within the last 6 months, you may not qualify for an additional card.

On top of that, the common requirements are: 

• a FICO® Score of 670 or higher. While Wells Fargo does not have a strict minimum credit score requirement, it typically favors applicants with good to excellent credit histories.
• a consistent source of income to be considered for approval. 
• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). 
• a physical mailing address in the US for correspondence related to the card. P.O. Boxes are not acceptable for this purpose.

How to apply for the Well Fargo Reflect® Card

Initiating your application is simple and online.

When completing your application, provide personal information such as your name, SSN or ITIN, date of birth, and contact information.

Additionally, share information about your housing and employment status, along with your total annual income and any non-taxable income you receive. 

As you progress through the application, you’ll have the option to add an authorized user and review the terms and conditions associated with the card. 

Finally, certify the accuracy of the information provided, agree to the terms and conditions, and affirm your consent for Wells Fargo to evaluate your income and request a consumer report. 

By completing these steps, you’re one step closer to enjoying the benefits of the Wells Fargo Reflect® Card.

Additional Details

Each transaction amount converted to U.S. dollars incurs a Foreign Currency Conversion fee of 3%. 

While the Wells Fargo Reflect® Card offers cellphone protection, note that this benefit does not extend to cell phones that are lost or mysteriously disappear. 

Also, the coverage is only applicable when cell phone bills are paid using an eligible Wells Fargo Consumer Credit Card. 

Considering other options?

The Citi® Double Cash Card presents itself as a compelling choice. With 1% cash back on all purchases and an additional 1% cash back upon payment, it provides simplicity and value for credit card users.

Written by

Ellen Queiroz (Redatora)