Wells Fargo Reflect Card: More Time, More Control

A credit card can be especially useful when its features match the way you plan to manage your finances. The Wells Fargo Reflect Card takes a straightforward approach, putting a long introductory APR offer at the center while keeping the annual fee at zero.

Beyond its introductory offer, the card includes benefits that can be useful in everyday life. Cell phone protection, personalized merchant deals, credit insights, roadside assistance, and protection against unauthorized transactions give cardholders additional reasons to consider the Reflect Card beyond its financing features.

Wells Fargo Reflect Card Benefits

0% Intro APR for 21 Months

The main attraction is a 0% introductory APR for 21 months from account opening on purchases and qualifying balance transfers. This provides an extended period to manage eligible balances before the regular variable APR applies.

Qualifying balance transfers must be made within 120 days of account opening to receive the introductory rate.

$0 Annual Fee

The Wells Fargo Reflect Card has a $0 annual fee. Therefore, cardholders do not need to pay a yearly membership charge simply to maintain the account.

Cellular Telephone Protection

Paying your monthly cell phone bill with an eligible Wells Fargo Consumer Credit Card can provide protection against covered damage, theft, or involuntary and accidental parting.

The benefit provides reimbursement of up to $600 per approved claim, subject to a $25 deductible, with a maximum of two paid claims during a 12-month period. Coverage requirements, limitations, and exclusions apply.

My Wells Fargo Deals

My Wells Fargo Deals provides access to personalized offers from participating merchants. Cardholders activate an eligible deal and then use their card for the qualifying purchase.

When the requirements are met, cash back is provided as an account credit. Individual deals have their own terms and expiration dates.

Zero Liability Protection

The card also includes Zero Liability Protection. Cardholders are not held responsible for unauthorized transactions when they are reported promptly, subject to applicable conditions.

Credit Close-Up®

Eligible Wells Fargo customers can use Credit Close-Up® to receive monthly FICO® Score updates and personalized credit insights.

The service is complimentary to eligible Wells Fargo Online® customers, and using Credit Close-Up does not negatively affect the customer’s credit score.

Roadside Dispatch®

Eligible Wells Fargo cardholders also have access to Roadside Dispatch® 24/7, with no membership required.

However, this is not complimentary roadside service. The applicable fee for a standard service call is confirmed when assistance is requested, and additional restrictions and charges may apply.

How Does the Wells Fargo Reflect Card Work?

The Wells Fargo Reflect Card currently offers 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.

For balance transfers, timing matters. Transfers completed within 120 days from account opening qualify for the introductory rate. Therefore, cardholders interested in this feature should pay attention to the applicable transfer window.

After the introductory period, the current variable APR is 17.49%, 23.99%, or 28.24%, depending on the terms for which the applicant qualifies.

Although the card has a $0 annual fee, other fees and conditions can apply. Applicants should carefully review the Important Credit Terms before submitting an application, particularly when planning to use a balance transfer.

Wells Fargo also notes that offers can vary over time and according to the marketing channel. Applicants must select the applicable offer when applying to receive its advertised terms.

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Key Features to Consider Before Applying

The Wells Fargo Reflect Card is primarily built around its long introductory APR offer, rather than a traditional rewards structure. This distinction is important when deciding whether the card matches your priorities.

My Wells Fargo Deals can provide cash back through specific activated merchant offers, but this works differently from a traditional card that automatically earns rewards on general purchases.

Cell phone protection also has specific requirements. To receive coverage, the eligible monthly cell phone bill must be paid with the applicable Wells Fargo credit card, and coverage begins according to the conditions established for the benefit.

Similarly, Roadside Dispatch provides access to assistance rather than free roadside services. Knowing these distinctions can help applicants evaluate the card based on how its benefits actually work.

Wells Fargo Reflect Card Requirements

The Wells Fargo Reflect Card is subject to credit qualification, and receiving an offer does not guarantee approval.

There are also important Wells Fargo eligibility restrictions. You may not qualify for an additional Wells Fargo-branded consumer credit card if you have opened a Wells Fargo-branded consumer credit card within the last four months.

In addition, you may not be eligible for introductory APRs, fees, or rewards bonus offers if you currently have the card product for which you are applying or opened that product within the last 48 months. This restriction can apply even if the previous account has been closed and has a zero balance.

How to Apply for the Wells Fargo Reflect Card

The application can be completed online. Before starting, review the current Reflect Card offer and its Important Credit Terms, including the introductory APR, regular variable APR, fees, and applicable conditions.

Next, select Apply Now and provide the information requested by Wells Fargo. The credit card remains subject to credit qualification, so submitting an application does not guarantee approval.

If approved, review your account terms carefully. In particular, borrowers interested in transferring a balance should keep the introductory qualification window in mind.

Frequently Asked Questions

1- Does My Wells Fargo Deals automatically give cash back on every purchase?

No. You must first activate an eligible deal and then make a qualifying purchase directly with the participating merchant according to the terms of that particular offer. Cash back is provided as an account credit when the applicable requirements are satisfied.

2- Does Cell Phone Protection cover a phone that is simply lost?

No. The benefit does not cover cell phones that mysteriously disappear. It covers certain eligible situations involving damage, theft, or involuntary and accidental parting, subject to the benefit’s terms, exclusions, and limitations.

3- Is Roadside Dispatch free with the Reflect Card?

No. There is no membership requirement, but the cardholder is responsible for the applicable service charge. The current fee for a standard service call is confirmed when service is requested, and additional charges or restrictions may apply.

4 – Is the FICO® Score shown through Credit Close-Up the score Wells Fargo uses for credit decisions?

Not necessarily. Wells Fargo states that the score provided through Credit Close-Up is for educational purposes and may not be the same score used when Wells Fargo makes credit decisions. A particular score also does not guarantee approval or specific credit terms.

Is the Wells Fargo Reflect Card Worth Considering?

The Wells Fargo Reflect Card is built for consumers who value a long introductory APR period and practical benefits without an annual fee. Cell phone protection, My Wells Fargo Deals, Zero Liability Protection, Roadside Dispatch, and Credit Close-Up add useful features beyond its introductory financing offer.

If those features match what you want from a credit card, take a closer look at the current Wells Fargo Reflect Card offer and see whether it fits your financial plans.