What do you want?
How do I make a balance transfer request on the Wells Fargo Reflect® Card?
You can request a balance transfer when you apply for a new credit card — approval will depend on your application status.
If you already have a Wells Fargo Reflect® Card, you can request a balance transfer by signing in to Wells Fargo Online.
Simply go to Account Management and select Request Balance Transfer to view your available offers. You can also make the request by calling 1-800-642-4720.
For more details, 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 offers a 0% introductory APR for up to 21 months from the date your account opens — on both purchases and qualifying balance transfers.
After the promotional period ends, a variable APR applies based on your creditworthiness. This makes it ideal for paying down existing balances or spreading out larger purchases interest-free.
2. Is there an annual fee for the Wells Fargo Reflect Card?
No. The Wells Fargo Reflect Card has no annual fee, making it a cost-effective choice for cardholders who want to save on interest without paying to keep the card.
3. What additional benefits does the Wells Fargo Reflect Card include?
While it’s not a rewards-based card, you still get valuable protections and perks, such as:
- Cell phone protection (when you pay your phone bill with the card, up to a set limit per claim);
- Zero Liability Protection against unauthorized transactions;
- 24/7 roadside dispatch service for emergency assistance while traveling.
4. Are there any fees or limitations I should be aware of?
Yes. Keep in mind:
- A balance transfer fee of 5% (minimum $5) applies;
- The card doesn’t earn cashback or points, as it’s designed mainly for low interest savings;
- There’s a 3% foreign transaction fee, which makes it less ideal for international travel.
5. What credit score do I need to qualify for the Wells Fargo Reflect Card?
Typically, you’ll need a good to excellent credit score (around 670 or higher) to qualify. Approval also depends on your overall credit history and debt-to-income ratio.
6. How long does approval take for the Wells Fargo Reflect Card?
In most cases, you’ll receive a decision instantly after submitting your application online. If more information is needed, Wells Fargo may take a few business days to review your application.
7. Can I request a balance transfer after I already have the card?
Yes. If you already have the Wells Fargo Reflect Card, you can request a balance transfer through Wells Fargo Online by going to Account Management → Request Balance Transfer, or by calling 1-800-642-4720 to review available offers.
Conclusion
The Wells Fargo Reflect® Card is designed for people who value low interest rates and financial flexibility over traditional rewards.
With one of the longest 0% APR introductory periods available, no annual fee, and added protections like cell phone coverage and zero liability, it’s an excellent choice for managing balances and saving on interest.
However, since it doesn’t earn cashback or travel rewards, it’s best suited for those focused on paying down debt or financing large purchases responsibly.
Used wisely, the Reflect Card can be a powerful tool to help you stay in control of your finances and move toward a stronger credit future.
