Wells Fargo Reflect, the best approval option for you.
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Are you looking for a card that offers the best benefits and meets your profile requirements?
How to Request a Balance Transfer with the Wells Fargo Reflect® Card
You can request a balance transfer at the time you apply for a new Wells Fargo Reflect® Card. Approval is subject to your application status and overall credit profile.
If you already have the Wells Fargo Reflect® Card, requesting a balance transfer is simple. Just sign in to Wells Fargo Online, navigate to Account Management, and select Request Balance Transfer to see your available offers. Alternatively, you can complete the request by calling 1-800-642-4720.
For additional information, visit the official Wells Fargo Balance Transfers page.
Frequently Asked Questions about the Wells Fargo Reflect® Card
1. Does the Wells Fargo Reflect® Card offer an introductory APR?
Yes. The card features a 0% introductory APR for up to 21 months from the account opening date on both purchases and qualifying balance transfers.
Once the introductory period ends, a variable APR applies based on your creditworthiness. This extended interest-free period makes the card especially appealing for consolidating debt or financing large purchases without paying interest upfront.
2. Is there an annual fee?
No. The Wells Fargo Reflect® Card comes with no annual fee, making it a cost-effective option for cardholders who want to reduce interest costs without additional yearly expenses.
3. What benefits does the Wells Fargo Reflect® Card include?
Although it doesn’t offer rewards like cashback or points, the card provides several valuable protections, including:
- Cell phone protection when you pay your monthly phone bill with the card (up to a specified limit per claim);
- Zero Liability Protection for unauthorized transactions;
- 24/7 roadside dispatch services, offering emergency assistance while traveling.
4. Are there any fees or limitations to consider?
Yes, there are a few important details to keep in mind:
- A balance transfer fee of 5% applies (minimum $5);
- The card does not earn rewards, as it’s focused on low-interest savings rather than incentives;
- A 3% foreign transaction fee applies, making it less suitable for frequent international travel.
5. What credit score is required to qualify?
Applicants typically need a good to excellent credit score (generally around 670 or higher) to qualify. Approval also depends on factors such as your credit history, income, and debt-to-income ratio.
6. How long does the approval process take?
Most applicants receive an instant decision when applying online. In some cases, Wells Fargo may require additional information, which can extend the review process by a few business days.
7. Can I request a balance transfer after opening the account?
Yes. Existing cardholders can request a balance transfer at any time by signing in to Wells Fargo Online and navigating to Account Management → Request Balance Transfer, or by calling 1-800-642-4720 to review available offers.
Conclusion
The Wells Fargo Reflect® Card is an excellent option for consumers who prioritize low interest rates and financial flexibility over traditional rewards.
With one of the longest 0% introductory APR periods available, no annual fee, and added protections such as cell phone coverage and zero liability, it stands out as a strong tool for managing debt and reducing interest costs.
While it’s not ideal for earning rewards, it’s perfectly suited for those focused on paying down balances or financing large purchases responsibly.
Used wisely, the Reflect® Card can play a key role in strengthening your financial health and supporting a more stable credit future.