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Wells Fargo Reflect Card

The benefits of the Wells Fargo Reflect Card are worth considering, especially when you consider the fact that it's free to apply for.

Wells Fargo Reflect Card
Source: Google

The new Wells Fargo reflect Card has its focus on providing a low interest rate with a few added benefits. The annual fee is currently $0. There are no fees to transfer your balance when you open or close the account and their plan offer 3 intro credit freezes during the 0% APR period. Wells Fargo have used digital tactics to create a new offer that provides easy access, quick spending, and easy information retrieval.

Wells Fargo Reflect
Wells Fargo Reflect
Cell phone protection 0% intro APR for 21 months
I have the best benefits on the card.

Everyday Benefits

0% Intro APR

Imagine you’re planning a significant purchase or dealing with existing debt on other credit cards. The Reflect Card’s 0% intro APR for 21 months on purchases and balance transfers can be a financial lifesaver. It allows you to make purchases or transfer balances from other high-interest cards and pay them off over nearly two years without accruing interest. This can lead to substantial savings on interest charges, helping you manage cash flow more effectively and reduce financial stress. After the intro period, a variable APR of 18.24%, 24.74%, or 29.99% applies, making it important to plan repayments within the intro period.

Cellular Telephone Protection

In our daily lives, our cell phones are indispensable yet vulnerable to damage or theft. With the Reflect Card, you get up to $600 coverage against these risks for just a $25 deductible. This benefit means if your phone is stolen or damaged, you can get it repaired or replaced without bearing the full cost. Regular usage of the card for paying your monthly cell phone bill activates this protection, offering peace of mind and financial security for your mobile device, which is a crucial part of your daily routine.

Roadside Dispatch®

This service is a real-life safety net. If you find yourself in a car breakdown situation, the 24/7 emergency roadside assistance provided by the Reflect Card can be invaluable. Whether you need towing, a tire change, jump start, or locksmith services, this feature ensures help is just a phone call away, adding a layer of security and convenience to your daily travels.

My Wells Fargo Deals

Think of this as your personal savings assistant. With access to exclusive deals from various merchants, you can earn cash back as an account credit when you shop, dine, or enjoy experiences. This feature can lead to significant savings over time, effectively putting money back into your pocket just for using your Reflect Card for everyday purchases.

Zero Liability Protection

In today’s digital world, the threat of unauthorized transactions is ever-present. The Zero Liability Protection on the Reflect Card ensures that if you promptly report any unauthorized use of your card, you won’t be held responsible for those transactions. This protection offers peace of mind, knowing that your finances are secure against fraudulent activities.

Credit Close-up℠

Managing your credit score is crucial for financial health. With Credit Close-up℠, you get monthly FICO® Score updates and personalized credit insights. This tool empowers you to understand, track, and potentially improve your credit score, which is essential for securing favorable terms on loans and credit in the future.

Awards and Recognitions

Wells Fargo Reflect
Source: Wells Fargo Reflect

The accolades received by the Reflect Card, such as “Best 0% Intro APR Credit Card” and “Best Balance Transfer Credit Card,” are not just titles. They are testaments to the card’s value and efficiency in financial management. These recognitions serve as a benchmark for potential cardholders, indicating the card’s reliability and performance in the competitive credit card market.

Qualification Requirements

Qualification for the Wells Fargo Reflect Card involves standard credit card application procedures, including credit checks and approval processes.

How to Apply for the Wells Fargo Reflect Card:

  1. Visit the Wells Fargo Website: Start by navigating to the Wells Fargo Reflect Card page.
  2. Review the Details: Carefully read the card’s features, benefits, and terms to ensure it fits your needs.
  3. Click on ‘Apply Now’: Find and click the ‘Apply Now’ button to begin the application process.
  4. Fill in Personal Information: Enter your personal details, such as name, address, social security number, and income details.
  5. Consider Balance Transfer Options: If you want to transfer balances from other cards, include this information in your application. Remember, the balance transfer will be subject to approval and should be within your credit limit.
  6. Submit the Application: After filling in all the necessary information, review your application for accuracy and submit it.
  7. Wait for Approval: Approval times can vary. Wells Fargo will review your application and credit history before making a decision.
  8. Receive and Activate Your Card: Once approved, your card will be mailed to you. Follow the instructions provided to activate it.


Balance Transfer Limit

The amount transferred is subject to the available credit limit and will include any balance transfer fees​​.

Balance Transfer Fee

Typically, a balance transfer fee is associated with the card​​.

Interest-Free Period

To avoid interest on purchases, pay the entire balance by the due date. There is no grace period on balance transfers​​.

Foreign Transaction Fee

A 3% foreign currency conversion fee applies to transactions converted to U.S. dollars​​.

Wells Fargo Reflect
Wells Fargo Reflect
Cell phone protection 0% intro APR for 21 months
I have the best benefits on the card.

Written By

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.