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How to request a balance transfer with the Wells Fargo Reflect® Card
You can request a balance transfer when applying for the card, and approval will depend on your credit evaluation.
If you already have the Wells Fargo Reflect® Card, log in to Wells Fargo Online, go to Account Management, and click on Request Balance Transfer to check available offers. You can also request it by calling 1-800-642-4720.
For additional 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 a promotional interest rate?
Yes. The card provides a 0% introductory APR for up to 21 months from the account opening date on purchases and eligible balance transfers.
After the promotional period, a variable APR will apply based on your credit profile. This makes it a great option for consolidating debt or financing larger expenses 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 cost-effective option for saving on interest.
3. What benefits does the card include?
Although it’s not a rewards card, it still offers useful features such as:
- Cell phone protection when you pay your bill with the card (subject to coverage limits);
- Zero Liability Protection against unauthorized transactions;
- 24/7 roadside assistance dispatch for travel emergencies.
4. Are there any fees or restrictions?
Yes, consider the following:
- A balance transfer fee of 5% (minimum $5);
- No cashback or points, as the card is focused on low-interest benefits;
- A 3% foreign transaction fee, which may not be ideal for international use.
5. What credit score is needed to qualify?
Typically, a good to excellent credit score (around 670 or higher) is required. Approval also depends on your overall credit history and debt-to-income ratio.
6. How long does approval take?
In most cases, you’ll receive an instant decision after applying online. If additional review is needed, it may take a few business days.
7. Can I request a balance transfer after already having 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 current offers.
Conclusie
The Wells Fargo Reflect® Card is a strong choice for those who prioritize low interest rates and financial flexibility over rewards.
With an extended 0% introductory APR period, no annual fee, and added protections like cell phone coverage and zero liability, it’s well-suited for managing debt or financing larger purchases.
However, since it doesn’t offer cashback or travel rewards, it’s best for users focused on minimizing interest rather than earning benefits.
When used responsibly, this card can help you take control of your finances and improve your credit over time.
