Preloader Image 1 Preloader Image 2

Wells Fargo Reflect Card Review

The Wells Fargo Reflect Card is a pioneering credit card designed to empower individuals with a focus on transparency, mindfulness, and financial control. 

Wells Fargo Reflect
Source: Wells Fargo Reflect

Embodying a sleek and modern design, the Reflect Card represents a paradigm shift in banking, focusing on financial wellness and responsible spending. It encourages customers to reflect on their financial behaviors, fostering informed decisions to achieve personal goals.

What distinguishes the Wells Fargo Reflect Card is its innovative approach to cultivating healthy credit habits. Integrated into the Wells Fargo mobile app, personalized insights and tools provide users with a comprehensive view of their spending habits, enabling them to set meaningful financial objectives and monitor progress toward financial well-being.

Everyday Benefits

  1. Extended Interest Relief: Imagine having the freedom to manage significant purchases or consolidate debt without the burden of immediate interest payments. The Reflect Card offers an exceptional 0% introductory APR for 21 months on both purchases and balance transfers. This extended period allows you to comfortably spread out repayments over nearly two years, saving significantly on interest charges.
  2. Mobile Security Assurance: In today’s connected world, your cellphone is more than just a device; it’s a lifeline. With the Reflect Card, you benefit from up to $600 in cellular telephone protection against theft or damage. For a nominal $25 deductible, this coverage ensures that if the unexpected happens, you can quickly repair or replace your phone without shouldering the full financial impact. Simply pay your monthly cellphone bill with your Reflect Card to activate this valuable safeguard.
  3. On-the-Go Assistance: Unexpected car troubles can disrupt your day. With the Reflect Card’s Roadside Dispatch service, help is available 24/7. Whether you need a tow, a tire change, a jump start, or even locksmith services, this feature provides peace of mind knowing that assistance is just a phone call away. It’s your safety net on the road, adding convenience and security to your daily travels.
  4. Your Personal Finance Navigator: Embark on a journey with your personal finance navigator – a unique ally dedicated to maximizing your savings effortlessly. Discover exclusive deals from a variety of merchants, earning cash back directly into your account whenever you shop, dine, or indulge in experiences. This innovative feature ensures consistent savings over time, simply by using your Reflect Card for everyday purchases.
  5. Seamless Digital Integration: Experience the future of payments with seamless integration of your Reflect Card into leading digital wallets like Apple Pay and Google Pay. Enjoy the convenience and security of making mobile payments directly from your smartphone or compatible devices, leaving your physical card behind while maintaining complete control over your transactions.
  6. Protection Beyond Measure: In today’s interconnected world, safeguarding your finances is paramount. With the Reflect Card’s comprehensive Zero Liability Protection, rest assured that unauthorized transactions are swiftly handled. Report any suspicious activity promptly and avoid liability for fraudulent charges, providing you with unparalleled peace of mind.
  7. Insights for Financial Clarity: Take charge of your financial well-being with Credit Insights, an exclusive feature that delivers monthly updates on your FICO® Score along with personalized credit insights. Monitor, understand, and potentially enhance your credit score, empowering you to secure favorable terms on loans and credit in the future.
  8. Enhanced Financial Management: Access tailored financial insights and tools through the Wells Fargo mobile app, designed to elevate your financial management skills. Gain comprehensive breakdowns of your spending habits across various categories such as groceries, dining, and transportation. Visualize your financial landscape effortlessly and identify opportunities to align your spending with your long-term financial goals.

Who can apply?

Wells Fargo Reflect
Source: Wells Fargo Reflect

Anyone who meets the eligibility criteria set by Wells Fargo can apply for the Reflect Card. Typically, this includes individuals who are of legal age, have a valid Social Security number or Tax Identification Number (TIN), and meet the credit requirements specified by Wells Fargo. Specific requirements may vary, so it’s advisable to check Wells Fargo’s official website or contact their customer service for detailed eligibility criteria before applying.

How to Apply for the Wells Fargo Reflect Card?

Here’s a concise step-by-step guide on how to apply for the Wells Fargo Reflect Card:

  1. Visit Wells Fargo’s Website and Locate the Wells Fargo Reflect Card.
  2. Click on ‘Apply Now’.
  3. Complete the Application Form and Agree to Terms and Conditions.
  4. Submit Your Application and Wait for Approval
  5. Receive and Activate Your Card.
  6. Start Using Your Card.


What exactly is the balance transfer limit?

The maximum amount that can be transferred depends on your available credit limit and will encompass any applicable fees for the transfer.

What about the balance transfer fee?

Most cards charge a fee for transferring balances.

How long is the interest-free period?

To prevent interest charges on purchases, ensure the entire balance is paid by the due date. However, there’s no grace period for balance transfers.

Do foreign transactions incur a fee?

Yes, there is a 3% fee for transactions converted into U.S. dollars.