Maria Adams, Credit Cards Moderator
Yes, the Wells Fargo Reflect Card does do a hard pull. You will need a credit score of at least 700 to get it.
Unfortunately, you can’t check for a Wells Fargo Reflect pre-approval. The only way to know if you’re pre-approved for the card is to receive an offer. If you get such an offer, it means Wells Fargo has done a soft inquiry on your credit history and determined that you’d be a good candidate for the card. However, a pre-approval doesn’t guarantee that your application will be successful.
A hard inquiry, on the other hand, usually causes an applicant's credit score to drop by a few points. Most people’s scores, however, bounce back within a few months, with responsible use.
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