To become eligible for a Wells Fargo Reflect® Card, you need to have at least a good credit score. That means a FICO® score of 700 or more. Your annual income and existing debt will also play an important role as to whether or not Wells Fargo will approve your request. You also need to be a U.S. citizen or resident above the age of majority, with a valid SSN and a U.S. mailing address.

No, the Wells Fargo Reflect® Card is not a rewards credit card. What that means is that you won’t get any cash back on purchases. However, with this card, you can have access to My Wells Fargo Deals. This program offers a series of personalized deals from selected merchants accross the country to increase your shopping experience.

The Wells Fargo Reflect® Card offers all new cardholders 18 months of 0% intro APR for balance transfers, with the possibility of a 3-month extension for good behavior. Once that period ends, the variable APR is 16.74% to 28.74%. The card charges a 3% balance transfer for 120 during the introductory period, and 5% thereafter. There’s also a 3% foreign transaction fee.