The Wells Fargo Reflect® Card is a versatile credit card that offers a range of benefits and features designed to meet the financial needs of cardholders. 

With competitive introductory APR offers, valuable perks like cellular telephone protection, and access to My Wells Fargo Deals, this card stands out as a reliable choice for those seeking flexibility and convenience in their credit card experience.

Key information about the credit card

The Wells Fargo Reflect® Card boasts a compelling 0% introductory APR for 21 months from account opening on both purchases and qualifying balance transfers. This extended introductory period provides new cardholders with ample time to manage their balances without incurring interest charges. After this period, the APR will vary based on creditworthiness, ranging between 18.24% to 29.99%.

How does the annual fee work?

One of the standout features of the Wells Fargo Reflect® Card is its $0 annual fee. This means that cardholders can enjoy the benefits of credit without the burden of recurring fees, making it an attractive option for those looking to minimize costs associated with credit card ownership.

For those credit cards that do have an annual fee, Wells Fargo typically offers clear guidelines on the fee structure. Annual fees can range from $0 to a specific amount, which may be charged annually or divided into smaller increments throughout the year.

How is the credit limit determined?

For conventional credit cards like the Wells Fargo Reflect® Card, the credit limit is determined by Wells Fargo based on the applicant’s creditworthiness, income, and other financial factors. Applicants with higher credit scores and income levels may be eligible for higher credit limits. 

In contrast, secured or prepaid versions of credit cards operate differently. With these types of cards, customers are required to deposit funds into a secured account, which then becomes their credit limit.

Advantages of the credit card

• Cellular telephone protection: Cardholders can receive up to $600 of protection against damage or theft of their cell phone when they pay their phone bill with the Wells Fargo Reflect® Card.

• Roadside Dispatch®: Access to a 24/7 emergency roadside assistance service, which includes towing, locksmith services, and more. This benefit is particularly useful for travelers or individuals who rely on their vehicles for daily transportation.

• My Wells Fargo Deals: Cardholders can benefit from personalized deals and discounts from a variety of merchants through the My Wells Fargo Deals program. By simply using their Wells Fargo credit card for eligible purchases, cardholders can earn cash back as an account credit, making everyday spending more rewarding.

Standout advantage

The standout advantage of the Wells Fargo Reflect® Card is undoubtedly the My Wells Fargo Deals program. This feature allows cardholders to access exclusive deals and discounts tailored to their spending habits and preferences. By leveraging this program, cardholders can save money and earn rewards effortlessly on their everyday purchases.

Disadvantages

• Variable APR: After the introductory period, the APR on the Wells Fargo Reflect® Card can vary significantly based on creditworthiness. This variability may lead to higher interest charges for cardholders with less favorable credit scores.

• Balance transfer fee: Although the card offers a 0% intro APR on balance transfers, a fee is typically charged for each transfer. Cardholders should consider this fee when evaluating the costeffectiveness of transferring balances.

Standout disadvantage

The standout disadvantage of the Wells Fargo Reflect® Card is its variable APR, which can range from 18.24% to 29.99% depending on creditworthiness. This variability may pose challenges for cardholders who carry balances beyond the introductory period, potentially leading to higher interest costs over time.

Who can apply for this card?

To apply for the Wells Fargo Reflect® Card, applicants generally need to meet certain eligibility criteria. This includes meeting the minimum age requirement, which is typically 18 or 21 years old depending on state regulations. Additionally, Wells Fargo may require applicants to have a minimum income level to qualify for the card. 

The institution offers a variety of credit cards tailored to different credit profiles, with those having stronger credit histories being more likely to receive favorable terms and conditions. During the approval process, applicants may need to provide proof of income, such as pay stubs or tax returns, to verify their income and creditworthiness.

How to apply for the Wells Fargo Reflect® Card

For the website

To apply for the Wells Fargo Reflect® Card, start by visiting the dedicated application page on the official Wells Fargo website. Once there, locate and click on the “Apply Now” button to begin the application process. You will then be guided through a series of prompts where you’ll need to input your personal information, financial details, and any necessary documentation as requested. 

Take your time to carefully review the terms and conditions associated with the card before finalizing and submitting your application. This ensures that you fully understand the agreement you’re entering into. By following these steps, you’ll be on your way to applying for the Wells Fargo Reflect® Card smoothly and efficiently.

Through the app

To apply for the Wells Fargo Reflect® Card using your smartphone or tablet, begin by downloading and installing the Wells Fargo mobile app from the official app store onto your device. Once installed, proceed to log in to your existing Wells Fargo account if you have one, or create a new account if you are a new user.

Inside the mobile app, locate the credit card section and specifically select the Wells Fargo Reflect® Card from the available options. Follow the onscreen instructions provided within the app to securely complete the application process directly from your mobile device. This streamlined approach allows you to apply conveniently and efficiently, all within the Wells Fargo mobile app environment.

At the branch

To apply for the Wells Fargo Reflect® Card in person, start by using the branch locator tool on the Wells Fargo website or mobile app to find the nearest Wells Fargo branch. Once you’ve identified the branch, plan your visit during their business hours.

When you arrive at the branch, approach a customer service representative and express your interest in applying for the Wells Fargo Reflect® Card. The representative will guide you through the process and assist you in completing the application.

Be prepared to provide the necessary documentation required for the application, which may include identification, proof of income, and other financial details. The representative will ensure that your application is submitted correctly and answer any questions you may have about the card or the application process.