Learn how to apply for the Wells Fargo Reflect Card

I’m interested in the Wells Fargo Reflect Card. What are the next steps?

The Wells Fargo Reflect Card presents an excellent advantage for purchases and qualifying balance transfers within an 18-month period from account opening, with a 0 percent APR. Nonetheless, transfers must be made in your first 120 days. And what is better, this period can be extended to 21 months if you make at least minimum payments on time each month.

The Wells Fargo Reflect Card has additional card features and benefits, such as:

• Cell phone protection.
• Emergency roadside assistance, towing, or locksmith service.
• Access to personalized deals from a variety of merchants.
• Built-in protection features to ensure that you won’t be held responsible for any unauthorized transactions

The Wells Fargo Reflect is relatively low-cost for a credit card focused on balance transfers, and although there is no annual fee, you should remember that abroad you will have a 3% foreign currency conversion fee.

It is also recommended to be aware that any remaining balance you do not pay by your due date will incur interest unless your purchases are subject to a limited-time introductory or promotional 0% APR. So keep that in mind.

Who can apply?

The Wells Fargo Reflect® Card allows cardholders to finance their purchases for nearly two years without any interest charges. It’s a card for those looking for a lengthy break from interest,

Like many other top balance transfer credit cards, you’ll need 660 – 850 credit to qualify for the Wells Fargo Reflect^® Card — this typically means having a FICO Score of at least 660.

How to apply?

There are two ways to apply for your Wells Fargo Reflect Card. Let’s take a look at them below.

Applying online

You can go to the official Wells Fargo Bank website and apply for your card by tapping on the “Apply Now” button and filling out the form that will appear next. This is the link: https://creditcards.wellsfargo.com/reflect-visa-credit-card/

You will have the option to sign on for a faster-prefilled application in case you are already a Wells Fargo Online® customer.

Then, just submit your personal data, your financial information, and your contact information, and choose whether you want to add an authorized user.

Applying by phone

Or, in case you prefer to speak to a person, you can apply by phone by calling 1-800-967-9521 for Wells Fargo Visa Credit Cards.

Is it worth having a Wells Fargo Reflect Card?

.Like any other credit card, and indeed any other product, the answer to this question depends on your goals and needs.

Given the main benefit of this card, the 18-months 0% intro APR on purchases and qualifying balance transfers, it makes a lot of sense for cardholders that need to keep interest at bay for as long as possible on not only their previous balance but any new purchases coming their way.

The benefit of cell phone protection is somewhat secondary, but it can prove to be a great convenience for the cardholder. Therefore be sure to take it into account in your decision.

On the other hand, it will not be the best option if you intend to travel, since it charges foreign transaction fees.

Wells Fargo Reflect Card vs NAB Qantas Rewards Premium Credit Card

With the Qantas Reward Premium Credit Card, you can earn 1 point per $1.50 spent (which is around 0.66 points per $1) on the first $3,000 spent per statement period, then 1 point per $3 on the next $3,000 you spend in the month. These points are directly redeemed via Qantas Frequent Flyer for a range of rewards. You can use them for flights, shopping, and accommodation.

There is a nice 0% p.a. balance transfer offer for 12 months – a benefit for a shorter period of time than the Wells Fargo Reflect Card.

However, the NAB Qantas Rewards Premium Credit Card will suit more those who wish to accumulate points to be used for travel and shopping. To illustrate, you can go from Sydney to New Zealand with 70,000 bonus Qantas Points.

The range of insurances associated with the Qantas card is wider than on the Wells Fargo Reflect Card:

• International Travel Insurance
• Interstate Flight Inconvenience Insurance
• Transit Accident Insurance
• Rental Vehicle Excess in Australia Insurance
• Purchase Protection Insurance
• Extended Warranty Insurance

So many things to consider, right? How about getting to know the Qantas card a little better?

Wells Fargo Reflect Card pros:

• 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers.
• $0 Annual Fee.
• Up to $600 of cell phone protection against damage or theft.

NAB Qantas Rewards Premium Credit Card pros:

• Earn 70,000 bonus Qantas Points when you spend $2,000 on everyday purchases within 60 days of account opening.
• Earn 1 Qantas Point per $1.50 on eligible purchases for the first $3,000 spent
• Additional cardholder at no extra cost.
• Range of complimentary insurance covers.

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