Features and benefits of your Wells Fargo Reflect® Card

Tools and resources for managing your account

Enroll for online banking
With Wells Fargo Online®, you have secure online access to your accounts through your desktop and mobile devices.

Wells Fargo Mobile® app
Pay your credit card bill, turn your card on or off,^{Footnote 1} view recurring payments and subscriptions, and more.

Automatic payments
Sign on to Wells Fargo Online, and use Transfer Money to set up automatic payments^{Footnote 2} which may help you avoid late or missed payments.

Add an authorized user
Add an authorized user to your account and receive one monthly statement that consolidates all your spending.^{Footnote 3}

Set up alerts
Help stay on top of your credit card by setting up alerts to track transactions and get payment reminders.^{Footnote 4}

Load your digital wallet
Add your eligible Wells Fargo cards to a digital wallet.^{Footnote 5}

Overdraft Protection
Link your credit card to your checking account to cover your transactions if you don’t have enough money in your checking account.^{Footnote 6}

Go paperless
Access your credit card statements online anytime.^{Footnote 7}

Learn about features

Zero Liability protection
You won’t be held responsible for unauthorized transactions, as long as they’re reported promptly^{Footnote 8}

My Wells Fargo Deals
Enjoy access to personalized deals from a variety of merchants. Activate your deals, then shop, dine, or enjoy an experience using an eligible Wells Fargo card. It's an easy way to earn cash back as an account credit.^{Footnote 9}

Check out these great benefits

Cellular Telephone Protection

Get up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone bill with an eligible card. Subject to a $25 deductible.^{Footnote 10}
Watch video

Auto Rental Collision Damage Waiver

Pay for rental transactions with an eligible card and receive reimbursement of up to $50,000 if covered damage to or theft of your eligible rental vehicle occurs.^{Footnote 11}

Roadside Dispatch®

Available whenever you’re in need of a tow — for eligible Wells Fargo cardholders 24/7 with no membership required.
To learn more, call 1-800-847-2869.^{Footnote 12}

Benefits

Learn about all the benefits your card has to offer.

Turning off your credit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Turning off your card will turn off all cards associated with your credit card account, including any digital card numbers linked to the cards. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential transfer fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.

Accountholders are responsible for repayments of all debts on the account, including all transactions made by authorized users.

Sign-up may be required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Terms and conditions apply. Some (but not all) digital wallets require your device to be NFC (Near Field Communication) enabled and to have the separate wallet app available. Your mobile carrier’s message and data rates may apply.

Subject to account eligibility requirements. If you choose to link your account to your Wells Fargo checking account for Overdraft Protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Interest will accrue from the date each advance is made. Your credit card must be confirmed; if it is not confirmed, no money will transfer to cover the overdraft. Once your credit card has been confirmed, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. There may be other options available to protect against overdraft that may be less costly. For additional information on Overdraft Protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/.

Online Statements require Adobe® Acrobat® PDF reader. For credit card accounts, Online Statements are available to view and download for up to 2 years. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

You won’t be held responsible for promptly reported unauthorized transactions, subject to certain conditions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement.

You must activate a deal and use your eligible card to make purchases directly with the merchant providing the deal by the expiration date. Purchases must satisfy all the requirements in the My Wells Fargo Deals Terms and Conditions and the Deal Terms in order to qualify for the deal. Cash back will not be earned on any portion of a purchase transaction that is paid for with store credit, gift certificates, or other payment types. If you pay using a digital wallet or through a third-party provider, or if the merchant uses a mobile or wireless card reader to process your payment, you may not have fulfilled the requirements to redeem the deal and receive the cash back. Cash-back transactions will appear in the form of a statement credit on the eligible card account within 90 days of the deal expiration date. Cash back or statement credits may be reversed if a qualifying purchase is returned or canceled. Refer to the My Wells Fargo Deals Terms and Conditions for details applicable to all eligible cards.

10.

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with an eligible Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from a card that is linked to a Line of Credit. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your eligible Wells Fargo Consumer Credit Card and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, call 1-800-316-8051, 8 a.m. to midnight Eastern Time, seven days a week, or refer to the Guide to Benefits.

Note:
Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.

11.

Coverage is supplemental to Cardholder’s primary insurance coverage. Entire rental transaction must be completed with an eligible Wells Fargo Reflect Visa Credit Card and/or rewards programs associated with your covered account. Cardholder must decline coverage from the rental company to be eligible for this benefit. Certain vehicles are not covered. Certain restrictions and limitations apply. Please review the Wells Fargo Reflect Visa® Card Guide to Benefits for details.

12.

Current fee for a standard service call will be confirmed at the time service is requested. Rates apply to vehicles up to 10,000 pounds gross vehicle weight only. Cardholders are required to pay the service provider for mileage over five miles. Emergency roadside assistance and towing may not be available in all areas. The roadside assistance and towing service provider is solely responsible for any liability associated with use of roadside dispatch services. Certain restrictions and limitations apply. Please review the Wells Fargo Reflect Visa® Card Guide to Benefits for details.

Wells Fargo Bank, N.A. Member FDIC.