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  Wells Fargo Reflect® Card
Wells Fargo Reflect® Card Unaffiliated

Wells Fargo Reflect® Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 15.24% - 27.24%
Balance Transfer APR  (Variable APR) 15.24% - 27.24%
Credit Score Range 660 - 850
Annual Fee $0

Wells Fargo Reflect® Card Review

This is a credit card issued by Wells Fargo Bank. If you're wondering whether reflect card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Wells Fargo Reflect® Card has a variable purchase APR that ranges from 15.24% up to 27.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Wells Fargo Reflect® Card charges a fee of 3% on balance transfers, if you transfer the balance within 120 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 660.

Pros & Cons of reflect card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 18 months.
  • No annual fee.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee, if you transfer the balance within 120 days of opening the account. After the introductory period, the fee is 5% of the balance transferred or $5, whichever is greater.

reflect card FAQ

Does reflect card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the reflect card benefits?

It provides the following benefits:

  • Emergency Support
  • Price Protection
  • Cell Phone Protection

What are the relevant APRs for reflect card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Wells Fargo Reflect® Card has a variable purchase APR that ranges from 15.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 27.24%. It also has a variable cash advance APR of 28.24% .

Does reflect card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0.00% for a period of up to 18 months.

Wells Fargo Reflect® Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period 120 days
Balance Transfer Introductory APR 0.00%
Balance Transfer Intro APR Period 18 months
Balance Transfer APR 15.24% - 27.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does reflect card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for reflect card?

The following fees apply:

reflect card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does reflect card have a foreign transaction fee?

reflect card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for reflect card?

The reflect card customer service number is (800) 877-4833.

What is the support contact email for reflect card?

The support contact email for reflect card is corporateresponsibility@wellsfargo.com.

What is the reflect card login page?

You can access the reflect card login page here.

How do people rate the customer service and user experience of reflect card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for reflect card

  • Visit the reflect card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Wells Fargo Bank

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View all credit cards offered by Wells Fargo Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $1
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 660 - 850
Credit Card Benefits
  • Price Protection
  • Emergency Support
  • Cellular Telephone Protection
Cash Advance APR (Variable APR) 28.24%
Credit Limit $1,000
Purchase APR (Variable APR) 15.24% - 27.24%
Balance Transfer Fee % After Intro Period 5%
Balance Transfer Fee Intro Period 120 days
Balance Transfer Introductory APR (Variable APR) 0.00%
Balance Transfer Intro APR Period (Variable APR) 18 months
Balance Transfer APR (Variable APR) 15.24% - 27.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
Card Network Visa

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