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How to request a balance transfer with the Wells Fargo Reflect® Card
You can request a balance transfer while applying for the card, and approval will depend on your credit evaluation.
If you already have the Wells Fargo Reflect® Card, sign in to Wells Fargo Online, go to Account Management, and select Request Balance Transfer to view your available options. You can also make the request 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 APR?
Yes. The card includes a 0% introductory APR for up to 21 months from account opening on purchases and eligible balance transfers.
After the introductory period, a variable APR applies based on your credit profile. This makes it a good option for consolidating debt or financing larger expenses without paying interest during the promo period.
2. Is there an annual fee?
No. The Wells Fargo Reflect Card has no annual fee, making it an economical choice for those looking to save on interest.
3. What benefits does the card provide?
While it doesn’t offer rewards, it still includes useful features such as:
- Cell phone protection when you pay your bill with the card (subject to limits);
- Zero Liability Protection against unauthorized purchases;
- 24/7 roadside assistance dispatch for emergencies while traveling.
4. Are there any fees or limitations?
Yes. Be aware of the following:
- A balance transfer fee of 5% (minimum $5);
- No cashback or rewards points;
- A 3% foreign transaction fee, which may not be ideal for international use.
5. What credit score is typically required?
You’ll generally need a good to excellent credit score (around 670 or higher). Approval also depends on your credit history and debt-to-income ratio.
6. How long does it take to get approved?
Most applicants receive a decision instantly after applying online. In some cases, it may take a few business days if additional review is needed.
7. Can I request a balance transfer after getting the card?
Yes. If you already have the card, you can request a balance transfer through Wells Fargo Online under Account Management → Request Balance Transfer, or by calling 1-800-642-4720 to check your offers.
Conclusion
The Wells Fargo Reflect® Card is a solid option for those who prioritize low interest rates and flexibility over rewards.
With a long 0% introductory APR period, no annual fee, and valuable protections like cell phone coverage and zero liability, it’s ideal for managing existing balances or financing purchases.
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 help you better manage your finances and build a healthier credit profile.
