See How to Apply for the Wells Fargo Reflect Credit Card

What do You Need to Know Before Applying?

The Wells Fargo Reflect is a multi-award-winning card, with its main benefits being the introductory 0% APR for 21 months and a $0 annual maintenance fee!

Wells Fargo is an American company that offers a range of financial services to the public in the country.

In this regard, it provides services for investments and wealth management, small businesses, and corporate and investment banking.

Additionally, it also has its own lines of credit cards with different options. The Wells Fargo Reflect Card comes with the Visa logo and two main features:

• $0 annual fee for card maintenance;
• 0% introductory APR for 21 months from the account opening date; after the period, the rates are 18.24%, 24.74%, or 29.99%;
• Balance transfer with lower rates for up to 120 days after the account is opened.

It’s no wonder that the card is multi-award-winning in the U.S. market; see some of the titles:

• Best 0% Credit Card of 2024 by The Ascent
• Best 0% Credit Card of 2024 by CNBC Select
• Best Balance Transfer Credit Card of 2023 by US News

This way, you have the reliability of a highly respected card worldwide, and you can continue reading about the key information!

Who can Apply?

The Reflect is one of Wells Fargo’s entry-level credit cards, offering favorable conditions to the public.

The requirement for the card is to be over 18 years old and properly registered in the country, either as a native or a foreign citizen.

In terms of income, the conditions are more flexible, and you will need to present an amount that corresponds to the credit limit.

You also need to have a credit score of at least good to excellent to have a better chance of getting the card.

For the application, it is ideal to have the following documents ready:

• Copy of Social Security card
• Copy of passport with work visa
• Proof of income
• Proof of residence

How do I Apply for the Wells Fargo Reflect Credit Card?

To apply, you can access the ‘Apply Now’ form available on the Reflect page. You will be redirected to submit the following information:

• About you: full name, suffix, date of birth, and SSN/ITIN
• Contact information: complete address with city, state, ZIP Code; country of nationality, email address, and phone number
• Security information: mother’s maiden name
• Financial information: housing status (own, rent, or other); employment status (employed, self-employed, not employed, or retired); total annual income

After filling in the information, complete the security checks. Wells Fargo will review the data to decide whether or not to offer the card.

During the process, you may need to submit documents and may be contacted. You can also seek support from the bank.

More Details

In addition to the low fees, the Wells Fargo Reflect offers good conveniences for everyday life, such as cell phone protection of up to $600 in case of theft or damage, subject to a $25 deductible.

Roadside Dispatch provides 24/7 support with complete roadside assistance services like towing or locksmithing.

Zero Liability Protection exempts you from paying for transactions that were not properly recognized and authorized.

My Wells Fargo Deals presents special conditions and access for shopping with merchants, a good way to earn cashback when purchasing different products and services.

Finally, you also have Credit Close-Up, which helps you track and improve your FICO score with valuable tips and personalized credit insights. The service is completely free for Wells Fargo customers.

Therefore, the card is quite competent for everyday use, without premium benefits, but consistent with its cost.

Want to learn another option?

If you want a card with more benefits and also higher costs, you can check out the Wells Fargo Autograph, with a $200 bonus and a $0 annual fee.

The card also offers 3x points in different categories, Visa Signature services, travel assistance, and roadside dispatch. See how to apply.

Written by

Gabriel Gonçalves