Wells Fargo Reflect Card Review

Discover all the essential details about it to ensure you make the perfect choice.

Navigating new financial decisions can often leave us uncertain, especially when considering options like the Wells Fargo Reflect credit card.

Beyond its appealing low interest rates and initial 0% APR, this card stands out for those aiming to tackle debts and rebuild financial stability. While it may not boast the highest cashback rewards, its affordability for everyday expenses makes it a practical choice.

If you’re exploring how the Wells Fargo Reflect credit card fits into your financial strategy and want a comprehensive understanding before committing, we’re here to provide all the insights you need. Let us guide you through the details so you can confidently determine if this card aligns with your goals.

CREDIT CARD

Wells Fargo Reflect

$0 ANUAL FEE ZERO LIABILITY PROTECTION

APPLY NOW You will be redirected

Wells Fargo Reflect Benefits

The Wells Fargo Reflect card offers an array of impressive benefits, especially for those seeking a period free from interest charges. Key advantages include:

• Introductory APR: This card features a 0% intro APR on purchases and qualifying balance transfers for up to 21 months (18 months initially, with an additional 3-month extension when you make on-time minimum payments). This is one of the longest introductory APR offers available, giving you nearly two years of interest-free financing.
• No Annual Fee: Enjoy all the incredible benefits of the Wells Fargo without the burden of an annual fee. You can take full advantage of its 0% intro APR, security features, and digital wallet compatibility without worrying about extra costs.
• Cell Phone Protection: Say goodbye to the stress of a damaged or stolen phone. When you use your credit card to pay your monthly cell phone bill, you can receive up to $600 in cell phone protection against theft or damage (subject to a $25 deductible).
• Travel and Emergency Assistance Services: Travel with confidence knowing that help is just a call away. Your Wells Fargo Reflect Credit Card provides 24/7 emergency assistance services, including medical and legal referrals, lost luggage assistance, and emergency travel arrangements.
• Zero Liability Protection: Security is a top priority with this card, you won’t be held responsible for unauthorized transactions. Plus, you’ll get real-time fraud monitoring, alerts, and the ability to lock and unlock your card instantly via the Wells Fargo Mobile app, ensuring that you always have control over your account.
• My Wells Fargo Deals – Cash Back Offers: Even though the Reflect Credit Card is focused on low-interest benefits, it still offers a way to save money on everyday purchases. With My Wells Fargo Deals, you can earn cash back offers when shopping with select merchants. Simply activate the offers in your online banking account and earn rewards when you shop.

These features collectively make the Wells Fargo Reflect card a compelling option for those looking to manage their finances wisely and protect against unexpected expenses.

Who Can Apply?

To be eligible for the Wells Fargo Reflect Credit Card, applicants must meet the following criteria:

• Be at least 18 years old (or 19 in some states);
• Have a U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN);
• Have a valid U.S. address;
• Meet Wells Fargo’s credit and income requirements (a good to excellent credit score is recommended);
• Not have recently opened another Wells Fargo credit card (some applicants may not qualify if they’ve opened a Wells Fargo card in the last 6 months).

How to Apply?

Applying is simple. Follow these steps to get started:

1. Visit the official Wells Fargo Reflect Credit Card webpage
2. Click on “Apply Now” to begin your online application
3. Provide your personal information (name, address, Social Security number, and date of birth)
4. Enter your financial details, including income and employment information
5. Review your application and submit it
6. Wait for an instant decision (some applications may require additional review)
7. If approved, receive your card in the mail within 7-10 business days

Frequently Asked Questions (FAQs)

Can I use this card for balance transfers?

Yes, but balance transfer fees apply (typically 3-5% of the transfer amount).

Is there a rewards program?

No traditional rewards, but My Wells Fargo Deals offers exclusive cash back savings.

Can I use this card abroad?

Yes, but it has a 3% foreign transaction fee—not ideal for travel.

What happens after the intro APR period ends?

After the promotional period, the APR will revert to a variable regular APR, based on your creditworthiness.

CREDIT CARD

Wells Fargo Reflect

$0 ANUAL FEE ZERO LIABILITY PROTECTION

APPLY NOW You will be redirected