Yes, you can upgrade your Wells Fargo Reflect Card to a better offer as long as you've had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Wells Fargo Reflect card qualifies for an upgrade, call customer service at 1-800-869-3557.
Wells Fargo Reflect Card Upgrade: What You Should Know
Wells Fargo does not state a specific amount of time the card account must be open before it's eligible for an upgrade, but it's a good idea to wait at least 6 months before requesting an upgrade.
A history of on-time payments and low credit utilization increases your chances of getting an upgrade.
Wells Fargo only allows upgrades to cards within the same card family. For example, you cannot upgrade from Wells Fargo Reflect to a business card or co-branded card.
You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the new card, unless they're included as part of the upgrade offer.
Wells Fargo Reflect card upgrades do not require a hard inquiry on your credit report, so there's no effect on your credit score.
A Wells Fargo Reflect card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 10 business days from the approval date. Your card may change, and your new card will come with updated expiration date and security code.
You can use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Your current credit limit and APR will carry over to the new card, as will any unredeemed rewards, unless stated differently in the upgrade terms.