Wells Fargo Reflect℠ Card summary
- Diverse credit card offerings
- Active Cash card offers 2% cashback
- Reflect card has long, 21-month 0% intro APR period
- 670-780+ credit score typically required for either card
- Both cards carry a 3% foreign currency transaction fee
Ranked #37 on the Fortune 500, Wells Fargo is a staple among American banks. It stands out for its 24/7 customer support, wide ATM coverage, and ever-expanding line of credit cards. The financial giant launched two new cards, the Active Cash and Reflect cards, in July and October of 2021, respectively. Each card offers a long, 21-month 0% intro APR period, while the Active Cash also comes with an unlimited 2% cashback reward rate.
The Active Cash card is suitable for anyone who wants a simple rewards structure. It has no annual fee and unlimited 2% cashback on all purchases, making it one of the highest-earning flat-rate cashback cards on the market.
The Reflect card is great for those who want to take advantage of its unusually long 0% introductory APR period (21 months versus the more usual 12-18), either by making large purchases or initiating balance transfers. However, to enjoy the full 21 months, cardholders must make on-time minimum payments every month.
Additionally, both cards can be managed, locked, unlocked, and reported as lost or stolen via the bank’s handy mobile app (available for iOS and Android). Existing Wells Fargo account holders can link their credit card with their checking or savings accounts, unlocking access to convenient features like autopay and payment reminders.
Interest Rates and Fees
Wells Fargo’s Active Cash Card comes with a 15-month 0% intro APR period, after which cardholders are charged a regular rate of 14.99%, 19.99%, or 24.99% variable APR.
Meanwhile, the bank’s Reflect Card offers 0% intro APR for up to 21 months, including for balance transfers from another credit card. The Reflect’s regular rate is set between 12.99% to 24.99% variable APR, depending on an applicant’s creditworthiness.
|Wells Fargo Active Cash Card||Wells Fargo Reflect Card|
|Regular Interest Rate||14.99%, 19.99%, or 24.99% APR||12.99%-24.99% APR|
|Intro APR Period?||0% APR for first 15 months||0% APR for first 18 months, extended to 21 months when on-time minimum payments made|
|Foreign Transaction Fees?||3%||3%|
Rewards & Cashback
In addition to the 0% introductory APR period and unlimited 2% flat rate cashback on all spending, the Active Cash card comes with a one-time $200 cash bonus for cardholders who spend at least $1,000 within the first 3 months.
The Reflect card’s welcome offer does not contain a cash bonus, but it offers the same long 0% intro APR period for purchases and balance transfers made within the first 120 days. This can be useful for those looking to consolidate and pay off their credit card debt as quickly as possible. Beyond that, however, the Reflect card carries no other rewards or perks.
The Application Process
Applying for a Wells Fargo credit card is straightforward and can be done online. If you’re an existing Wells Fargo customer, you can log into your account to autofill most required information. New customers will need to provide their legal name, Social Security number, date of birth, and country of citizenship. For security purposes, applicants must also include their mother’s maiden name.
Next, clients must enter their address, email address, and phone number. You’ll also need to provide financial information such as your current housing situation, monthly mortgage amount, and employment status. Afterward, you’ll be asked if you need to add authorized users. If so, you’re prompted to enter the necessary information. Finally, you’ll be directed to read and accept a series of disclosures.
While most approval and denial decisions can be made within minutes, applications selected for manual review may take 7-10 business days to process.
Help & Support
You can get assistance most easily by contacting Wells Fargo customer service via telephone 24/7. For inquiries about a credit card application, customers can call (800) 967-9521. Questions related to credit card account management can be directed to (800) 642-4720, while general questions should be routed to (800) 869-3557.
Clients can also meet 1:1 with a banker at any of the bank’s physical locations by scheduling an appointment online.
Wells Fargo’s website is secured using the Transport Layer Security (TLS) protocol, ensuring that all client information supplied to the site is kept confidential. The bank’s mobile app also features security features such as 2-factor authentication and biometric sign-in. Wells Fargo’s credit cards are likewise secured by the bank’s fraud guarantee, which covers any unauthorized transactions reported within 60 days of the activity occurring.
How are applicants considered for a credit line increase?
Clients interested in an increase should call (800) 642-4720.
Can cards be added to mobile wallets?
Yes. Wells Fargo cards work with Apple Pay, Google Pay, and Samsung Pay.
Do I need to use my PIN with my credit card?
No, unless you’re using your credit card at an ATM.
Wells Fargo’s Active Cash and Reflect cards are Wells Fargo’s two newest offerings. With unlimited 2% cashback and a 21-month 0% intro APR period, respectively, both cards are tempting choices for any consumer looking to add a new card to their wallet.
This review was compiled using information from Wells Fargo’s official website.