Wells Fargo Reflect® Card: A Comprehensive Overview
The Wells Fargo Reflect® Card stands out as a versatile credit card offering a range of benefits and features tailored to suit the needs of its cardholders. Below is an in-depth look at the key aspects and perks associated with this card.
Wells Fargo Reflect® Card
Annual Fee:
Cardholders will appreciate the absence of an annual fee, allowing them to maximize their benefits without incurring additional costs.
Lowest Intro APR:
With the lowest intro APR available for 21 months from account opening, the Reflect® Card provides a unique opportunity for users to make purchases and balance transfers without incurring interest charges.
Cellular Telephone Protection:
Enjoy up to $600 of protection against cell phone damage or theft. A minimal $25 deductible applies, providing peace of mind for unexpected incidents.
Roadside Dispatch®:
Access a 24/7 on-demand referral dispatch network for emergency roadside assistance, towing, or locksmith services. For assistance, cardholders can call 1-800-847-2869.
Balance Transfer Convenience:
If you are considering a balance transfer, the Wells Fargo Reflect® Card offers a seamless process for your convenience. You have the option to request a balance transfer when submitting your credit card application, subject to approval.
If you already hold the Reflect® Card, you can initiate a balance transfer by signing in to Wells Fargo Online. Navigate to Account Management and select “Request Balance Transfer” to review available offers. Alternatively, you can call 1-800-642-4720 for assistance. The amount transferred will be issued up to your available credit limit, inclusive of any balance transfer fees. In cases of multiple transfer requests, the largest one will be processed first.
Terms and Conditions:
To ensure a clear understanding of the terms associated with the Reflect® Card, it is advisable to review the Wells Fargo Reflect Visa® Credit Card Account Agreement and the Wells Fargo Reflect Visa® Card Guide to Benefits. The credit card is subject to credit qualification, and approval for a balance transfer is contingent upon meeting the necessary criteria.
Limitations and Eligibility:
It’s important to note that individuals may not qualify for an additional Wells Fargo credit card if they have opened a Wells Fargo credit card within the last 6 months.
Cellular Telephone Protection:
The Reflect® Card provides Cellular Telephone Protection as an added benefit. This coverage can reimburse eligible Wells Fargo Consumer Credit Card holders for damage to, theft of, or involuntary and accidental parting of a cell phone. It serves as supplemental coverage not covered by other insurance policies, and reimbursement is limited to the cost of repair or replacement, less a $25 deductible. There is a maximum of two paid claims per 12-month period, each with a benefit limit of $600. This protection is applicable only when cell phone bills are paid with the eligible Wells Fargo Consumer Credit Card.
Cellular Telephone Protection begins the first day of the calendar month following the payment of the first cell phone billing using the eligible card. It remains in effect as long as you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card.
For detailed information on coverage benefits and exclusions related to Cellular Telephone Protection, it is recommended to refer to the Wells Fargo Reflect® Visa Card Guide to Benefits.