What do you want?
How to request a balance transfer with the Wells Fargo Reflect® Card
You can request a balance transfer during your credit card application — approval will depend on your overall application results.
If you already have the Wells Fargo Reflect® Card, simply sign in to Wells Fargo Online, navigate to Account Management, and select Request Balance Transfer to see your available offers. You can also request it by calling 1-800-642-4720.
For more information, visit the Wells Fargo Balance Transfers page.
Frequently Asked Questions about the Wells Fargo Reflect® Card
1. Does the Wells Fargo Reflect Card offer an introductory interest rate?
Yes. The card features a 0% introductory APR for up to 21 months from account opening on purchases and qualifying balance transfers.
After the promotional period, a variable APR applies based on your credit profile. This makes it a strong option for consolidating debt or financing larger purchases without interest during the intro period.
2. Is there an annual fee?
No. The Wells Fargo Reflect Card has no annual fee, making it a budget-friendly option for those focused on saving on interest.
3. What benefits does the card offer?
Although it's not a rewards card, it still includes useful protections and features, such as:
- Cell phone protection when you pay your bill with the card (coverage up to a certain limit);
- Zero Liability Protection against unauthorized transactions;
- 24/7 roadside assistance dispatch for emergencies while traveling.
4. Are there any fees or limitations?
Yes, there are a few things to keep in mind:
- Balance transfer fee of 5% (minimum $5);
- No cashback or rewards points, as the focus is on low interest savings;
- 3% foreign transaction fee, which may not be ideal for international use.
5. What credit score is required?
Generally, a good to excellent credit score (around 670 or higher) is recommended. Approval also depends on your credit history and debt-to-income ratio.
6. How long does approval take?
Most applicants receive an instant decision after applying online. In some cases, additional review may take a few business days.
7. Can I request a balance transfer after getting the card?
Yes. Existing cardholders can request a balance transfer through Wells Fargo Online under Account Management → Request Balance Transfer, or by calling 1-800-642-4720 to check available offers.
Conclusion
The Wells Fargo Reflect® Card is ideal for those prioritizing low interest rates and financial flexibility over rewards.
With one of the longest 0% APR introductory periods available, no annual fee, and valuable protections like cell phone coverage and zero liability, it's a great option for managing debt or spreading out payments.
However, since it doesn't offer cashback or travel rewards, it's best suited for users focused on reducing interest costs rather than earning perks.
Used responsibly, this card can be an effective tool to help you manage your finances and build a stronger credit profile.
