Wells Fargo Reflect Visa Credit Card Review

The Wells Fargo Reflect Visa card isn't just another piece of plastic; it's a smart financial tool designed with your needs in mind.

Prepare to be amazed by the incredible flexibility and value packed into the Wells Fargo Reflect Visa. Imagine making those big purchases you’ve been dreaming of, or tackling existing balances, all while enjoying a lengthy introductory APR period. 

It’s about empowering you to take control of your financial journey with a card that offers not only practical benefits but also peace of mind. Get excited, because your financial toolkit is about to get a serious upgrade!

CREDIT CARD

Wells Fargo Reflect

Cell phone protection 0% intro APR for 21 months

APPLY NOW You will be redirected

Wells Fargo Reflect Credit Card Amazing Benefits

1. Extended Introductory APR on Purchases & Balance Transfers: Enjoy an amazing 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers! What a fantastic way to save!
2. No Annual Fee: That’s right, you get all the great features and benefits of this card without having to pay an annual fee!.
3. Cellular Telephone Protection: Worry less about your precious smartphone! When you pay your monthly cell phone bill with your card, you can get up to $600 of protection against covered damage or theft (subject to a $25 deductible).
4. Roadside Dispatch: Stranded on the road? No problem! Eligible cardholders have access to a 24/7 on-demand referral dispatch network for services like towing, locksmith, and more. 
5. My Wells Fargo Deals: Unlock exciting personalized deals! Access cash back offers as an account credit from a variety of merchants.
6. Zero Liability Protection: Shop with confidence! You’re protected against unauthorized transactions, meaning you won’t be held responsible for promptly reported fraudulent charges. Security at its finest!
7. Credit Close-Up: Stay on top of your credit health! This feature helps you understand and track your FICO Score, empowering you to make informed financial decisions. Knowledge is power!
8. Visa Signature Benefits: As a Visa Signature card, you may unlock a host of additional perks which can include things like travel and purchase protections, and access to exclusive events. It’s the VIP treatment you deserve! 

Who Can Apply?

While specific criteria can vary, generally, to apply for the Wells Fargo Reflect Visa card, you should:

• Be at least 18 years old (or the age of majority in your state).
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Have a U.S. street address.
• Meet Wells Fargo’s creditworthiness requirements. This typically includes factors like your credit score, income, and debt-to-income ratio.
• It’s also worth noting that you may not qualify for an additional Wells Fargo credit card if you have opened one in the last 6 months.
• You may also not be eligible for introductory rates, fees, and/or rewards bonus offers if you currently have this card product or have opened one within the last 48 months.

How to Apply?

Ready to take advantage of this fantastic offer? Here’s a general guide on how to apply:

1. Visit the Wells Fargo Website: Navigate to the official Wells Fargo Reflect Visa credit card page.
2. Review the Offer Details: Carefully read the terms and conditions.
3. Click “Apply Now”: Look for the “Apply Now” button on the webpage to start your application.
4. Complete the Application Form: Fill in the required information accurately and completely. 
5. Review Your Application: Before submitting, double-check all the information you’ve provided for any errors or typos.
6. Submit Your Application: Once you’re confident everything is correct, submit your application.
7. Await a Decision: Wells Fargo will review your application. In some cases, you might receive an instant decision, while in others, it might take a few days. You’ll be notified of their decision.

Frequently Asked Questions

Here are some frequently asked questions about the Wells Fargo Reflect Visa card:

1. How long does the introductory APR last? The Wells Fargo Reflect card offers a 0% intro APR for an impressive 21 months from account opening on both new purchases and qualifying balance transfers. After that, a variable APR will apply.
2. Is there an annual fee for this card? No, the Wells Fargo Reflect Visa card has no annual fee, allowing you to enjoy its benefits without that extra yearly cost.
3. What is a balance transfer and how do I request one? A balance transfer allows you to move outstanding debt from one credit card to another, often to take advantage of a lower interest rate. You can typically request a balance transfer during the credit card application process or through Wells Fargo Online after your account is open. Balance transfers must be made within 120 days of account opening to qualify for the introductory APR.
4. Are there any fees for foreign transactions? Yes, there is a foreign currency conversion fee of 3% of each transaction converted to U.S. dollars. This is something to keep in mind if you plan to use the card for international travel or purchases.

CREDIT CARD

Wells Fargo Reflect

Cell phone protection 0% intro APR for 21 months

APPLY NOW You will be redirected