The Wells Fargo Reflect Card offers a secure and convenient way to manage your finances. Featuring online banking, budgeting tools, and rewards, this card equips you with everything needed to maintain financial control.
With its user-friendly design, you can effortlessly monitor spending, track rewards points, pay bills online, and earn rewards on every purchase. Additionally, Wells Fargo's top-tier security measures ensure your information remains protected.
Benefits of the Wells Fargo Reflect Credit Card
The Wells Fargo Reflect Credit Card is ideal for those seeking a card with no annual fee and a low-interest rate, making it a smart choice for maximizing spending power. Here are some of its key benefits:
- No Annual Fee: Enjoy the freedom from annual fees, helping you save more.
- Low-Interest Rate: Benefit from a low-interest rate, especially during the introductory period.
- Rewards Program: Earn points on every purchase and redeem them for cash back, gift cards, travel rewards, and more.
Key Features of the Wells Fargo Reflect Card
0% Intro APR
New cardholders receive a 0% introductory APR for 18 months on purchases and qualifying balance transfers. After the introductory period, the APR ranges from 16.74% to 28.74%, based on creditworthiness. Balance transfers within 120 days also qualify for the introductory rate and fee.
Foreign Currency Conversion Fee
Travelers will appreciate the 3% foreign currency conversion fee for transactions converted to US dollars.
Exclusive Programs and Protections
My Wells Fargo Deals
This exclusive program provides cardholders with discounts and special offers from select merchants. Savings are automatically applied at checkout when using the Wells Fargo Reflect Card.
Roadside Dispatch Service
Cardholders receive 24/7 roadside assistance, including towing, jump starts, and flat tire changes, at no additional cost. This service can be used up to four times per year.
Cell Phone Protection
Purchasing a cellphone with your Wells Fargo Reflect Card provides up to $600 in protection against damage or theft. Report incidents via the Wells Fargo Mobile App to prevent unauthorized charges.
Zero Liability Protection
Cardholders are not responsible for unauthorized charges, offering peace of mind and fraud monitoring services, including text and email alerts for suspicious activity.
Eligibility and Application Process
To apply for the Wells Fargo Reflect Card, you typically need a FICO Score of 670 or higher, a stable source of income, and be at least 18 years old with a Social Security number and a physical mailing address.
How to Apply
- Visit the Wells Fargo Website: Navigate to the “Reflect Card” page and click “Apply Now”.
- Enter Personal Information: Fill out your name, address, date of birth, Social Security number, and annual income.
- Submit Application: Agree to the terms and submit your application. You will be notified of your application status.
Tips for Using the Wells Fargo Reflect Card
- Timely Payments: Always pay on time to avoid damaging your credit score.
- Monitor Spending: Track your spending to stay within your credit limit and avoid fees.
- Watch for Fraud: Regularly check your account for fraudulent activities and report them immediately.
Contacting Wells Fargo
For assistance, contact Wells Fargo via:
- Website and Mobile App: Access account services and support.
- Social media: Connect on Facebook and Twitter.
- Phone: Call 1-800-642-4720 for credit card inquiries.
- Mail: Write to Wells Fargo, PO Box 6995, Portland, OR 97228-6995.
- Branch Locations: Visit any Wells Fargo branch for in-person support.
Conclusion
The Wells Fargo Reflect Credit Card, with its rewards program, low-interest rate, and no annual fee, is an excellent choice for those looking to maximize their credit card benefits.
Note: Always review the bank's terms and conditions and understand the risks involved in applying for and using credit.
