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Wells Fargo Reflect®
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Score Needed: Good to Excellent
Wells Fargo Reflect®
At a glance
Welcome Offer
Limited Time Offer
New Offer
All time high
Rewards
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Points on other purchases
Intro APR
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Balance Transfer Intro
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Regular APR
Annual Fee
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Wells Fargo Reflect®
Application Tips
Get the best results with each application
Thinking About 2 Cards? You might not qualify for a 2nd Wells Fargo credit card if you have opened a Wells Fargo card in the last 6 months

Reconsideration up to 60 days. Usually, Wells Fargo Bank will only do a hard credit pull if there has been a change in a negative mark on your report.

Limit Increase
Credit Inquires
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Experian or Equifax - In some states they pull both Experian and Equifax.
Application Inquires Some data points suggest that credit inquiries for same-day applications will be combined, but some data points suggest that credit inquiries for same-day applications will not be combined
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Getting your card
Rescore your report: Wells Fargo does not offer off-cycle reporting.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
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Roadside Assistance

Roadside Dispatch®

A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when

you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information.

Cell Phone Protection

Cellular Telephone Protection

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Wells Fargo Travel Partners.
Points Transfer Partners
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Transfer Partner
Transfer Time
Ends
Type
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Fees
Fees you may encounter as a cardmember
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Balance transfer Intro Offer
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Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Wells Fargo Reflect® Click learn more to see if you qualify
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More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article