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How to request a balance transfer with the Wells Fargo Reflect® Card
You can request a balance transfer during your application, and approval will depend on your credit assessment.
If you already have the Wells Fargo Reflect® Card, log in to Wells Fargo Online, go to Account Management, and select Request Balance Transfer to see your current offers. You can also place 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 include a promotional APR?
Yes. It offers a 0% introductory APR for up to 21 months from account opening on purchases and qualifying balance transfers.
Once the introductory period ends, a variable APR will apply based on your credit profile. This makes the card a strong option for consolidating balances or spreading out payments without interest during the promo period.
2. Is there an annual fee?
No. The Wells Fargo Reflect Card comes with no annual fee, helping you save while focusing on interest reduction.
3. What benefits are included?
Even without rewards, the card provides valuable protections, such as:
- Cell phone protection when you pay your bill with the card (subject to coverage limits);
- Zero Liability Protection for unauthorized transactions;
- 24/7 roadside assistance dispatch for emergencies.
4. Are there any fees or downsides?
Yes, keep in mind:
- A balance transfer fee of 5% (minimum $5);
- No cashback or rewards program;
- A 3% foreign transaction fee, which may not be ideal for international spending.
5. What credit score is usually required?
Typically, a good to excellent credit score (around 670 or higher) is needed. Approval also depends on your overall credit history and debt-to-income ratio.
6. How fast is the approval process?
Most applicants receive an instant decision online. In some cases, additional verification may take a few business days.
7. Can I request a balance transfer after getting the card?
Yes. Existing cardholders can request it through Wells Fargo Online under Account Management → Request Balance Transfer, or by calling 1-800-642-4720 to review available offers.
Conclusion
The Wells Fargo Reflect® Card is a great choice for those who value low interest rates and flexibility over rewards.
With an extended 0% introductory APR period, no annual fee, and useful protections like cell phone coverage and zero liability, it’s well-suited for managing debt or financing purchases.
However, since it doesn’t offer cashback or travel rewards, it’s best for users focused on reducing interest rather than earning benefits.
When used wisely, it can be an effective tool to help you stay in control of your finances and build a stronger credit profile over time.
