Wells Fargo Reflect Review

The Wells Fargo Reflect® Card does not offer price protection. The Wells Fargo Reflect card's lack of a price protection benefit is not uncommon these days, as more and more credit cards have dropped this perk. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the benefit too expensive for some issuers to sustain.

In general, credit card price protection allows cardholders to receive a refund for the difference between an item's original purchase price and a lower price advertised within the following 60 to 120 days. Coverage amounts and excluded items vary, depending on the credit card issuer.

You can make a Wells Fargo Reflect® Card payment online, by phone, through the Wells Fargo mobile app, by mail or at a branch. To pay a Wells Fargo Reflect bill online, log in to your online account and click on “Pay Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Wells Fargo does allow cardholders to set up automatic payments, too.

Ways to Make a Wells Fargo Reflect Payment

• By phone: Call 1-800-869-3557 and enter your card information when prompted.
• Online: Log in to your online account and click on “Pay Bills.”
• Through the mobile app: Log in to your account and select your card, then tap “Pay Bills.”

• By mail: Send a check or money order (but not cash) to

  Wells Fargo Card Services

  P.O. Box 51193

  Los Angeles,

  CA 90051-5493.

  Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.

• At a branch: You can make a payment at any Wells Fargo branch during normal business hours.

Yes, the Wells Fargo Reflect Card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Wells Fargo Reflect statement balance in full every month, Wells Fargo will not charge any interest.

Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining Wells Fargo Reflect balance and any new purchases will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.

It's also important to note that grace periods do not apply to cash advances or balance transfers.

Yes, you can upgrade your Wells Fargo Reflect® Card to a better offer as long as you've had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Wells Fargo Reflect card qualifies for an upgrade, call customer service at 1-800-869-3557.

Wells Fargo Reflect Card Upgrade: What You Should Know

• Wells Fargo does not state a specific amount of time the card account must be open before it's eligible for an upgrade, but it's a good idea to wait at least 6 months before requesting an upgrade.
• A history of on-time payments and low credit utilization increases your chances of getting an upgrade.
• Wells Fargo only allows upgrades to cards within the same card family. For example, you cannot upgrade from Wells Fargo Reflect to a business card or co-branded card.
• You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the new card, unless they're included as part of the upgrade offer.
• Wells Fargo Reflect card upgrades do not require a hard inquiry on your credit report, so there's no effect on your credit score.

A Wells Fargo Reflect card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 10 business days from the approval date. Your card may change, and your new card will come with updated expiration date and security code.

You can use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Your current credit limit and APR will carry over to the new card, as will any unredeemed rewards, unless stated differently in the upgrade terms.

To log in to your Wells Fargo Reflect® Card account, go to the login page on the Wells Fargo website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” to access your online account. If you don't already have an account, you will need to start by clicking “Enroll Now” in order to set up a username and password.

How to Log in to a Wells Fargo Reflect Credit Card Account

1. Register your Wells Fargo Reflect credit card for online account access. Click “Enroll Now” and enter your name, account number, phone number, date of birth, and Social Security number or Tax ID Number to verify your card account.
2. Choose your Wells Fargo Reflect card username and password. The username must be between 7 and 10 characters, including special characters, but no spaces. The password must contain 8 to 31 characters and have at least 1 letter and 1 to 9 numbers. The password cannot be identical to the username or contain more than 3 sequential numbers or letters. The password is case sensitive and may contain special characters.
3. Log in with your new Wells Fargo Reflect card credentials. From the login page on the Wells Fargo website or mobile app, fill out the Username and Password fields using your new credentials, and click “Sign On” to access your account.

After you have signed up and logged in, you'll be able to manage your Wells Fargo Reflect card account online. You can pay your credit card bill, see card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot Password/Username?” on the Wells Fargo login page. Then, just follow the prompts to reset or retrieve your username or password.

The Wells Fargo Reflect® Card does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and the Wells Fargo Reflect is not among the cards offering it.

Adding an authorized user to your Wells Fargo Reflect Card still has benefits, though. Most importantly, the authorized user is able to build credit.

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)

1. Open the Wells Fargo Reflect application.
2. Enter the account number for your existing balance.
3. Enter the amount you want to transfer.
4. Include standard application info such as your name, Social Security number, and annual income.
5. Submit the application.

How to Do a Balance Transfer with Wells Fargo Reflect (Existing Cardholders)

1. Log in to your Wells Fargo Reflect account.
2. Select “Manage Cards” from the Accounts menu.
3. Choose your preferred offer.
4. Enter the account number(s) and the amount(s) you'd like to transfer.
5. 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 5% (min $5) fee on Wells Fargo Reflect balance transfers. Make sure to take this into account, too.

The Wells Fargo Reflect card does not offer rental car insurance. But there are other Wells Fargo cards that do have this benefit, which covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges to the nearest qualified repair facility. Cardholders are covered up to the actual cash value of most rented cars.

To get coverage, a cardholder must pay for the rental entirely with an eligible Wells Fargo credit card. Examples of eligible cards include the Hotels.com Credit Card.

If you'd like a credit card with rental car insurance, there are plenty of options outside of Wells Fargo, too.

To check your Wells Fargo Reflect Card balance, log in to your Wells Fargo account online or call credit card customer service at 1-877-805-7744. It's also possible to check your Wells Fargo Reflect Card balance through the Wells Fargo app or by texting bal to 93557.

How to Check Your Wells Fargo Reflect Card Balance

• Online: Log in to your Wells Fargo account to see your Wells Fargo Reflect card's balance.
• By Phone: Call 1-877-805-7744 and follow the prompts to have the automated system read your current balance.
• By App: Log in to the Wells Fargo app. Your credit card balance will be shown on the home screen.
• By Text Message: Text “bal” to 93557. If you haven't already, you'll need to log in to the Wells Fargo website and enroll in text banking for this to work.

It's a good idea to keep an eye on your Wells Fargo Reflect Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.

The Wells Fargo Reflect® Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Wells Fargo Reflect Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Wells Fargo Reflect Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it's best to wait to apply until you meet the Wells Fargo Reflect credit score requirement. You can check your credit score for free on WalletHub.