Discover the Wells Fargo Reflect® Card

Need more time to pay off your purchases or looking for a secure and simple way to manage your money? The Wells Fargo Reflect Card is the perfect solution for those who value peace of mind, flexibility, and transparency — all in one card.

And the best part? You can apply in just a few easy steps, directly from your phone or computer. Want to simplify your finances?

Check out the steps below and see how easy it is to get the credit you deserve!

Oh, and there’s more: once approved, you can start using your card instantly with your mobile wallet — perfect for anyone who needs a fast, safe, and practical solution.

Key Features of the Wells Fargo Reflect® Card

The Reflect® Card is ideal for anyone who wants flexible credit, simple management, and total security.

Perfect for consolidating balances, handling unexpected expenses, or giving yourself extra time to pay without interest.

This card offers maximum flexibility, because the entire process is 100% online, and you can manage everything safely through the Wells Fargo Mobile® App.

Want to understand better how the Reflect® Card works? Check out the main details below.

Credit Limit

Your credit limit is personalized based on your financial profile — and you’ll know your approved limit immediately after the application process.

With up to 21 months of 0% intro APR on purchases and qualifying balance transfers, Reflect® gives you real financial breathing room and time to plan your payments.

And remember: Wells Fargo will never ask for deposits or payments before approval. If someone does — it’s a scam. Always apply directly on the official Wells Fargo website.

Rates and Fees

On the official Wells Fargo website, interest rates and conditions depend on your credit profile and financial history.

You can check your exact terms with a quick, free, and 100% online prequalification — it takes only a few minutes and won’t affect your credit score.

Payment Terms

Enjoy flexible payment options that adapt to your financial situation.

With Reflect, you can take advantage of no interest for up to 21 months, then continue with transparent and fair rates after the intro period ends.

Everything is handled online, with clear information and full transparency in every step. It’s a simple, safe, and accessible way to take control of your finances.

Approval and Access Time

One of the biggest advantages of the Wells Fargo Reflect® Card is how fast and easy it is to apply.

The process is 100% digital, takes just a few minutes, and once approved, your digital card is available immediately through your mobile wallet, no waiting for mail delivery to get started.

With Wells Fargo, you manage everything safely and conveniently, from anywhere.

Advantages and Considerations of the Reflect® Card

The Reflect® Card is an excellent option for those who want flexibility, low costs, and complete control over their finances.

Everything is done online, securely and quickly — and you get one of the longest 0% intro APR periods in the market.

Before applying, it’s important to review your terms and choose what best fits your needs and spending habits.

Keep in mind that your available credit will depend on your financial profile, and responsible use will help you build a stronger credit history over time.

Check out the main advantages below 👇

• 0% intro APR for up to 21 months on purchases and balance transfers
• No annual fee — ever
• Instant access to your digital card once approved
• Zero Liability Protection against unauthorized transactions
• Cell phone protection when you pay your bill with Reflect®
• Free access to your FICO® Score
• Secure, 100% online management through the Wells Fargo Mobile® App
• Trusted service backed by Wells Fargo’s reputation and security

How to Apply for the Wells Fargo Reflect® Card

The Reflect® Card is perfect for anyone who wants more time, less stress, and more control over their money.

Applying is simple, secure, and can be done entirely online in just a few minutes.

Follow the step-by-step guide below and discover how to get your Wells Fargo Reflect® Card quickly, safely, and without complications!

1️⃣ Visit the Wells Fargo website and select the Reflect® Card.
2️⃣ Fill out your information and submit your online application.
3️⃣ Receive an instant decision — no waiting.
4️⃣ Start using your digital card immediately, even before the physical one arrives.

It’s that simple: fast, transparent, and completely secure.

Written by

Gabriel Gonçalves