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For those who want to make the most of their credit card and have protections at all times, the Wells Fargo Reflect card is the recommended credit card. 


With more advantages and the assurance that you will have various guarantees, it is one of the most widely used today.

Because of this, in this article, we will provide you with all the information you need about the Wells Fargo Reflect card and how to apply for yours. 


Follow along and find out everything you need to know about the Wells Fargo Reflect.

Discover the awards of the Wells Reflect card 

The Wells Fargo Reflect Visa card has received several awards due to all its conveniences and everything it has always offered to its customers. Check out the list of awards:

The awards for the Wells Fargo Reflect Visa card include:

  • The Ascent A MOTLEY FOOL SERVICE BEST CREDIT CARDS 2022: Best 0% APR Intro Credit Card in 2022 and Best Balance Transfer Card in 2022.
  • NerdWallet Best-Of Awards 2022: Best 0% APR Intro and Balance Transfer Credit Card in 2022.
  • CNBC Select – Best Credit Cards U.S. News & World Report Balance Transfer 2023: Best 0% APR Credit Card in 2022.
  • U.S. News – Best Credit Cards U.S. News & World Report Balance Transfer 2023: Best Balance Transfer Credit Card in 2023.

These awards highlight the effectiveness of the Wells Fargo Reflect Visa card in terms of introductory APR rates, balance transfers, and other criteria evaluated by different finance experts.

What are the advantages of a Wells Fargo Reflect card?

A highly awarded card like the Wells Fargo Reflect earns all that recognition for a reason. It offers various advantages to customers that justify its use in everyday life. 

Now, discover the card’s top benefits and find out why people have been choosing the Wells Fargo Reflect:

Cell Phone Protection 

The cell phone protection service offered by the Wells Fargo Reflect card covers damage or theft of devices purchased through the card account. 

The reimbursement is limited to the cost of repair or replacement of the original cell phone, with a $25 deductible. Each cardholder can make up to two claims for damage or theft in a 12-month period.

To enjoy this coverage, you need to meet certain requirements, such as the phone being purchased through the Wells Fargo Reflect card account.

Additionally, the device must be covered by the manufacturer’s warranty. The cell phone must be in good condition and fully operational before the incident of damage or theft occurs.

With this, you ensure that your smartphone has good coverage when purchased with the Wells Fargo Reflect Visa card.

Roadside Dispatch

If you travel frequently, this is the essential service you need, and the credit card offers it to its customers. 

Roadside Dispatch is a service available to Wells Fargo Reflect cardholders, providing assistance in emergency situations such as towing, tire replacement, or fuel delivery. 

The great advantage is that this service is available 24/7. To enjoy these benefits, simply contact the number 1-800-347-2757. 

You will need to provide your Wells Fargo Reflect card number along with your vehicle’s chassis number. 

This feature aims to provide peace of mind and support to customers in times of need during their travels.

Emergency Disbursement 

The Wells Fargo Reflect card’s emergency disbursement feature provides coverage for unforeseen expenses such as lodging, food, and transportation in the event of loss or theft of your card. Reimbursement is limited to $100 per event.

To enjoy this benefit, you must meet the following requirements:

  • Report the loss or theft of your card to Wells Fargo within 24 hours.
  • Provide a police report regarding the incident.
  • Use the emergency disbursement amount exclusively to cover emergency expenses resulting from the incident. This feature aims to provide immediate financial support in unexpected situations, ensuring greater peace of mind for cardholders.

With this, you have assistance when you need it and the certainty that the card will help cover your expenses.

Wells Fargo Offers 

The Wells Fargo Reflect card offers a variety of benefits that can be useful for consumers. The initial 0% interest rate for 18 months can help you save money on interest.

Wells Fargo Reflect cardholders enjoy access to exclusive offers provided by Wells Fargo’s partners. 

These include discounts on purchases, restaurants, and travel-related opportunities. 

This additional benefit aims to provide cardholders with a more advantageous and personalized experience, expanding possibilities for savings and benefits in various areas of consumption.

Liability Protection

The liability protection of the Wells Fargo Reflect card covers damages to a rented vehicle if you cause an accident or if the vehicle is stolen. The reimbursement is limited to $75,000.

To obtain coverage, you must meet the following requirements:

  • You must rent the vehicle with a valid rental contract.
  • You must be the primary driver of the vehicle.
  • You must pay the Collision Damage Waiver (CDW) fee with the rental company.

In other words, the Wells Fargo Reflect card assists with rentals and also protects you against incidents.

Step-by-Step Guide to Apply for the Card 

Now that you know everything that the Wells Fargo Reflect has to offer, here’s how you can apply for your card with our step-by-step guide:

  •  Access the Wells Fargo Reflect website to start the process.
  •  Fill out the form with all your personal information.
  •  Complete it with your documents.
  •  Continue filling in your address and contact details.
  •  Check all the boxes confirming that you agree to the terms.
  •  Confirm that the data is correct and submit it to the bank.
  •  Now, you just need to await approval, and then you’ll receive the credit card at your home.

With this process, you’ll have the Wells Fargo Reflect card in your possession and enjoy it even more when making purchases. 

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Useful information

This content was produced in January 2024. In case of updates or changes to services and conditions, please contact the responsible bank.

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