To do a balance transfer with the Wells Fargo Reflect® Card, new applicants can just complete the balance transfer portion of the Wells Fargo Reflect application. Existing cardholders can request a balance transfer online or by calling customer service at (800) 642-4720.
Wells Fargo Reflect balance transfers usually take 10 business days to process. In the meantime, continue to make payments on your original debt to avoid any late fees and possible damage to your credit score.
How to Do a Balance Transfer with Wells Fargo Reflect (New Applicants)
- Open the Wells Fargo Reflect application.
- Enter the account number for your existing balance.
- Enter the amount you want to transfer.
- Include standard application info such as your name, Social Security number, and annual income.
- Submit the application.
How to Do a Balance Transfer with Wells Fargo Reflect (Existing Cardholders)
- Log in to your Wells Fargo Reflect account.
- Select “Manage Cards” from the Accounts menu.
- Choose your preferred offer.
- Enter the account number(s) and the amount(s) you’d like to transfer.
- Verify your information is correct and submit the application.
Key Things to Know About a Wells Fargo Reflect Balance Transfer
The Wells Fargo Reflect card accepts balance transfers from other credit cards, along with loans and other lines of credit. The Wells Fargo Reflect card does not allow balance transfers from other Wells Fargo credit accounts.
If you’re transferring a balance to a credit card with an introductory APR on balance transfers, try to pay off the balance before the introductory rate expires. Any balance remaining after that will accumulate interest daily at the card’s regular APR. Using a balance transfer calculator can be a big help.
Finally, there is a 3% intro for 120 days, then up to 5% (min $5) fee on Wells Fargo Reflect balance transfers. Make sure to take this into account, too.
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