Your Wells Fargo Reflect℠ credit card does not have a grace period on balance transfers or purchases. Interest will begin to accrue as soon as the balance transfer arrives to your account. Any balance that shows up as unpaid by your due date will incur interest. To know all the important details about your card’s interest mechanics, visit the cards Terms & Conditions. In order to avoid paying interest on purchases or balance transfers, it is necessary to observe the payment of your entire outstanding balance by the due date of the billing cycle in which you made the transaction. This includes not only the amount of any balance transfer, but also balance transfer fees. The only case where outstanding balances will not incur interest, is during the limited-time 0% intro APR period.

As soon as you submit your application for the Wells Fargo Reflect℠ credit card, you will receive an application ID. You will also receive a phone number that you can call in case you haven’t been instantly approved and would like to check the status of your application. Also, in the event of you not being instantly approved, Wells Fargo will mail you their credit decision within 5 to 7 business days. Once you have been approved, a mail package should arrive to you containing information that will help you better understand your credit report. The package will also contain a copy of the Wells Fargo Privacy Notice. Soon after that, your credit card, additional information on your card features, and account terms should be arriving in a separate mailing.If you have not been approved, you will receive a written explanation for Wells Fargo’s decision.

If you are considering the Wells Fargo Reflect card or the Active Cash card, there are a few key differences to consider. The Wells Fargo Reflect card offers 1.5% cash back on every purchase, while the Active Cash card offers 2% cash back on every purchase. However, the Reflect card has a 0% introductory APR for 18 months on purchases and balance transfers, while the Active Cash card does not have an introductory APR offer. Additionally, the Reflect card offers cell phone protection and is compatible with mobile wallets, while the Active Cash card does not offer these benefits. Reviews on the Wells Fargo Reflect card are generally positive, with many users appreciating the cash back rewards and low interest rates. Ultimately, whether the Wells Fargo Reflect card is a good credit card for you will depend on your individual needs and spending habits.

You can use the balance transfer option provided by the Wells Fargo Reflect card to consolidate your credit card debt. This process involves transferring the outstanding balance from one or more credit cards to the Reflect card. Consolidating your credit card debt onto one card can help you save on interest and streamline your monthly payments. It’s important to be aware that there may be a balance transfer fee of around 3% to 5% of the transferred amount. Additionally, introductory APR offers may apply to balance transfers, so it’s important to carefully review the terms and conditions to understand the interest rate that will be charged after the introductory period ends. If you’re interested in consolidating your credit card debt with the Wells Fargo Reflect card, you can apply for the card and initiate the balance transfer during the application process or later through your online account.