How does the Wells Fargo Reflect Card work?

Check it out right now with more details. How it works, fees, interest rates, and much more.

Wells Fargo is one of the most popular banks in the US, so it is well recognized and offers many financial services including credit cards, loans, investments, savings accounts, etc.

Founded in 1852, the bank operates in more than 7200 locations and has approximately 13,000 ATMs.

So, Wells Fargo is a consolidated bank that offers quality and safe services, this way, we’ve selected a great no-fee credit card option for you.

How does it work?

Wells Fargo Reflect card is one of the best cards that offers the longest 0% intro APR period. In addition to being ideal for consolidating accounts, you can use it to make larger purchases without being charged.

The card has no annual fee and one of its main benefits is cell phone insurance worth up to $600.

Also, if you’re interested in earning airline miles, cash back, or hotel points, this credit card is not a good choice for you since its offers limited rewards.

What is card limit?

The card offers a very attractive limit of $1,000. So, if you are approved by Wells Fargo you already guarantee this minimum credit limit.

Does it have interest rates?

• Regular APR: 24%-27.24% (Variable).
• Purchase Intro APR: 0% intro APR for up to 21 months from account opening.
• Balance Transfer Intro APR: 0% intro APR for up to 21 months from account opening.

Does it have fees?

• Annual fee: $0.
• Cash advance: Refer to Important credit terms.
• Foreign purchase transaction fee: Up to 5%.

Who can get the card?

If you have a credit score of 660-880, you can qualify for Wells Fargo Reflect card. Also, you need to be a primary account holder of an eligible Wells Fargo consumer account.

How to apply for it?

It is very easy to apply for Wells Fargo Reflect card, you just need to access the Wells Fargo’s website, and fill an application. You will be asked for the following information:

• Personal information: Full name, nationality, date of birth, mother’s maiden name, country of citizenship.
• Contact information: Permanent address, city, state, zip code, email address, phone number.
• Financial information: Housing status, employment status, monthly mortgage or rent payment.

What happens after you apply for the Wells Fargo Reflect card?

Wells Fargo will review your application, which takes a few minutes. However, the final decision usually takes 7 business days.

Frequently asked questions:

Is Wells Fargo Reflect card metal?

No, Wells Fargo does not offer metal credit cards.

How often does Wells Fargo increase limits?

Wells Fargo will automatically increase the credit limit for eligible credit card. It usually begins six months after you open Wells Fargo’s account.

How do I pay my Wells Fargo reflect card?

You can make payments by online, by mail and phone, at a branch, through the Wells Fargo mobile App.