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Wells Fargo Reflect VisaSM Credit Card Terms and Conditions

Wells Fargo Reflect Visa® Card Terms and Conditions

Thank you for your interest in opening a Wells Fargo Reflect Account.

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now on this page to take advantage of this specific offer.

IMPORTANT DISCLOSURES

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0.00% introductory APR for 21 months from date of account opening.

After that, your APR will be 18.24%, 24.74%, or 29.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

0.00% introductory APR for 21 months from date of account opening.

After that, your APR will be 18.24%, 24.74%, or 29.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. Balance Transfers are subject to eligibility.

APR for Cash Advances and Overdraft Protection Advances

29.99%

This APR will vary with the market based on the U.S. Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website
of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.*

 Fees

Annual Fee

None

Transaction Fees

 

• Balance Transfers

5% for each balance transfer, with a minimum of $5.

• Cash Advances

Either $10 or 5% of the amount of each advance, whichever is greater.

• Foreign Currency Conversion/
Foreign Transaction

3% of each transaction converted to U.S. dollars.

Penalty Fees

 

• Late Payment

Up to $40

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

* You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

We will begin charging interest on cash advances and balance transfers on the transaction date.

Table of Contents

In this application, "the Bank," "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A. "You" and "your" mean each person who applied for and received a Wells Fargo Credit Card account.

Please note: Information about the credit card Account’s interest rates, interest charges, and fees is correct as of May 2024. This information may have changed after that date. To learn of any changes, call 1-800-642-4720.

Part 1: Important Details About Using This Credit Card Account

  1. What is this application for?

  2. What do you agree to by applying for this credit card account?

  3. Will you qualify if you have or have had more than one Wells Fargo Credit Card account?

  4. What procedures do we use to verify your identity when you open an Account?

  5. How do we review this application?

  6. What should you do once you receive your new card?

  7. What is the minimum credit limit?

  8. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?

  9. How do we calculate your variable APRs?

  10. How do we apply your payments?

  11. How does Overdraft Protection work?

  12. How do we verify information from phone service providers?

  13. How and why can we contact you?

  14. What happens if your contact information changes?

  15. How is the credit card law different for Ohio residents?

  16. How is the credit card law different for married Wisconsin residents?

  17. What is Cellular Telephone Protection?

Part 1: Important Details About Using This Credit Card Account

  1. What is this application for?

    This application is for a credit card account with Wells Fargo Bank, N.A. 

  2. What do you agree to by applying for this credit card account?
    • Correct Information

      You agree that all the information you provided in this application is true, correct, and complete.

    • Legal Capability

      You agree that you can legally enter into the Consumer Credit Card Customer Agreement and Disclosure Statement (Agreement).

    • Marital Status

      Regardless of your marital status, you are applying for a credit card account in your own name.

    • Account Agreement

      You agree to the terms and conditions of the Agreement which will be sent to you. You can also access the Agreement by accessing this link:
      https://www.wellsfargo.com/credit-cards/agreements/reflect-visa-agreement/.
      Please note that the Agreement’s terms may change at any time, subject to applicable law.

    • Arbitration Terms

      You agree to the arbitration terms included in the Agreement. You can access the arbitration terms by accessing this link: https://www.wellsfargo.com/credit-cards/agreements/reflect-visa-agreement/.

    • Financial Liability

      By using this account, you are financially liable (responsible) for any amount you charge or authorize another to charge, including any amounts by any authorized users.

    • Verification

      By applying for this credit card account, you agree that we may:

      • Verify or check any of the information you give us
      • Obtain credit reports about you
      • Investigate your credit, employment, and income history
      • Investigate your state records, including state employment security agency records
      • Report information about your account to consumer reporting agencies

      You also agree that we may obtain a consumer report from consumer reporting agencies to do the following:

      • Consider your application
      • Update, renew, extend credit, review, or collect money on this Account

      Upon your request, we will tell you the name and address of each consumer reporting agency that provides us a consumer report about you.

  3. Will you qualify if you have or have had more than one Wells Fargo Credit Card account?

    You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-branded credit card in the last 6 months. 

    Eligibility for introductory rates, fees and/or rewards bonus offers.

    You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have a Wells Fargo Reflect Visa® or opened one within the last 48 months from the date of this application - even if that account is closed and has a $0 balance.

  4. What procedures do we use to verify your identity when you open an Account?
    Important information about procedures for opening a new account.

    To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.

  5. How do we review this application?

    You agree that we can review your criteria to determine which products you qualify for and how much credit we will give you. Further, you agree that we will give you the product and pricing you qualify for.

  6. What should you do once you receive your new card?
    As soon as your new card arrives, please confirm with us that you received it. You can confirm your card by using one of many convenient methods that we provided with your card.
    If you do not confirm your card, your requests for certain services may be delayed, such as:
    • Balance transfers
    • Overdraft Protection
    • Wells Fargo Online®
    • ATM access
    Further, you may also be denied access to your Account.
  7. What is the minimum credit limit?

    The minimum credit limit is $1,000.00.

  8. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?

    If you are applying for an additional card, then you agree that we can distribute your credit limits between each card if:

    • You already have a Wells Fargo Credit Card account that has no current balance, and
    • You have not used the Wells Fargo Credit Card account for any reason within the past six months.

    Please note: You can change or re-distribute your credit limits on your own by calling Customer Service any time at the number listed on the back of your card. Certain restrictions may apply.

  9. How do we calculate your variable APRs?

    A variable APR is an interest rate that varies with the market based on the U.S. Prime Rate. To calculate your variable APR for each billing period, we use the U.S. Prime Rate and add a margin.

    • How We Determine the U.S. Prime Rate

      Each billing period, we use the U.S. Prime Rate that the Wall Street Journal publishes in its Money Rates section three business days before your billing statement’s closing date. When more than one U.S. Prime Rate exists, we use an average. If the U.S. Prime Rate is not published or available (temporarily or permanently), we use a substitute index that we believe is similar to the U.S. Prime Rate. We do so at our sole discretion.
      As of 07/17/2024, the U.S. Prime Rate is 8.50%.

    • How We Calculate Your Variable APR

      We use the following margins:

      • For purchases and balance transfers: We add either 9.74%, 16.24%, or 21.49% to the U.S. Prime Rate. Your creditworthiness determines the percentage we use. The Maximum APR is 29.99%.
      • For cash advances and overdraft protection advances: We add 22.74% to the U.S. Prime Rate. The Maximum APR is 29.99%.

      We reserve the right to change terms, APRs, and fees at our discretion by following your Agreement and as allowed by applicable law.

      Please note: You may not qualify for the lowest APRs described. We review your credit report, information provided in your application, and other available relevant information to determine your APRs.

  10. How do we apply your payments?
    • Minimum Payment
      Generally, we process your minimum payment in the following order:
      1. Lower APR balances (such as Purchases)
      2. Higher APR balances (such as Cash Advances)
    • Amounts in Excess of the Minimum Payment

      If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.

  11. How does Overdraft Protection work?
    You can choose whether to link your Account to your Wells Fargo checking account for Overdraft Protection. To enroll, visit us online at: www.wellsfargo.com/credit-cards/features/overdraft-protection/.
    If you choose to enroll, you can link to an account where you are either the sole owner or a joint owner.
    • Joint Checking Accounts
      If you link to a joint Wells Fargo checking account, then you are responsible for all Overdraft Protection Advances from your credit card, including interest and charges. This responsibility applies regardless of who:
      • Writes the check,
      • Purchases items with the debit card, or
      • Engages in any other transaction that causes the overdraft
    • When Interest Charges Begin

      Interest will begin to accrue on each date that an advance is made.

    • Credit Card Confirmation Required

      You must confirm that you received your credit card. If you do not confirm your card, no money will transfer to cover the overdraft. Please allow up to three business days to fully enable your Overdraft Protection service once you confirm your credit card. Refer to the Agreement for details. You may be able to protect your Account against overdraft with other less costly options.

      For more information about Overdraft Protection, please visit the following webpages:
  12. How do we verify information from phone service providers?

    You agree that we may contact your past, present, and future phone service providers to verify information that you gave us including any phone numbers against their records about you (such as name, address and account status).

  13. How and why can we contact you?
    You agree that we have your consent to contact you at any phone number, email address, or mailing address you provide for any Wells Fargo account or at any number that you call us from or at any number that we obtain by other means. If you provided a phone number(s), you agree that you are authorized to provide this phone number(s) and agree to receive calls and text messages from Wells Fargo at this number(s) for all your current and future Wells Fargo products and services. This does not give Wells Fargo permission to call or text you for marketing purposes. Message and data rates may apply. Message frequency varies. Automated systems, including prerecorded or artificial voice may be used.
  14. What happens if your contact information changes?
    You must promptly contact us if you change any of the contact information you provided us. This information includes your:
    • Name
    • Email addresses
    • Mailing address
    • Phone numbers
  15. How is the credit card law different for Ohio residents?

    Notice: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

  16. How is the credit card law different for married Wisconsin residents?

    Notice: If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

  17. What is Cellular Telephone Protection?

    As a cardholder, you may be able to receive Cellular Telephone Protection. This coverage is a supplemental insurance policy. That means the policy is in addition to and supplemental to other insurance policies or protection that you may have, such as:

    • Cellular wireless telephone insurance programs

    • Insurance policies for homeowners, renters, automobiles, or employers

    Coverage is provided after you use all other available insurance or protection, and it is subject to this policy’s terms, conditions, exclusions, and coverage limits of this benefit.

    • Coverage Purpose

      This coverage can reimburse you (pay you back) for the cost to repair or replace your Cell Phone if it is ever

      • Damaged

      • Stolen

      • Unable to be recovered as a result of Involuntary and Accidental Parting

      "Involuntary and Accidental Parting" means that you have an unintended separation from your Cell Phone, and you know its location but cannot recover it.

      This coverage applies to all Cell Phones that appear on your Wireless Bill.

      "Wireless Bill" means your Cell Phone providers’ monthly billing statement that includes charges for your data, cellular service, or Cell Phone installment payments.

    • How to Receive This Coverage

      You must use your covered Wells Fargo Credit Card to pay your monthly Wireless Bill.

    • When the Charge Must Post to Your Covered Account

      Your Wireless Bill charge must post to your covered Wells Fargo Credit Card Account one month before your Cell Phone is damaged, stolen, or unrecoverable due to Involuntary and Accidental Parting.

      The coverage does not apply if you pay your bill using any of the following:

      • Wells Fargo Debit Card

      • Wells Fargo Business Credit Card

      • Wells Fargo Commercial Card

      • The card that you link to your Line of Credit

    • Coverage Timing
      • When Coverage Starts: The first day of the calendar month after you pay your first Wireless Bill using your covered Wells Fargo Credit Card

      • How Long Coverage Lasts: As long as you continue charging your monthly Wireless Bill to your covered Wells Fargo Credit Card

    • Claims Frequency and Reimbursement Amounts

      In a twelve-month period, we will pay up to two claims that reimburse you the cost to repair or replace your original Cell Phone. We will reimburse you up to $600 per claim and a maximum of $1200 per twelve-month period. Your reimbursement will be whichever of the following amounts is less:

      • The cost to repair the Cell Phone, minus your deductible.

      • The cost to replace the Cell Phone with similar features and functionality at the current market value at the time of loss, minus your deductible.

      • $600 per claim.

    • Deductible Amount

      You pay a $25 deductible that we subtract from your reimbursement of the cost to repair or replace your Cell Phone.

    • Examples of What We Do Not Cover

      This benefit only covers damage that affects your Cell Phone’s capabilities or functionality and does not cover:

      • Cosmetic damage

      • Cracked screens

      • Scratches

    For the complete Cellular Telephone Protection coverage benefits, limitations, and exclusions, go to: www.wellsfargo.com/credit-cards/reflect-visa/guide-to-benefits/. Virginia Surety Company, Inc. provides this Cellular Telephone Protection.

    Please note: We encourage you to set up automatic payments with your cellular provider. We do not require you to do so to qualify for Cellular Telephone Protection. However, to receive this Coverage, you must have paid your Wireless Bill with your covered Wells Fargo Credit Card in the month before your Cell Phone was either stolen, lost, or damaged.