How to Apply for the Wells Fargo Reflect Card

If you’re looking for a simple, quick way to get flexible credit, even if you’re building or rebuilding your credit, the Wells Fargo Reflect Card could be the ideal solution.

It offers one of the longest 0% intro APR periods in the U.S. — up to 21 months on purchases and balance transfers — with no annual fee and no hidden charges.

Everything can be done online or through your phone, without needing to visit a branch.

And the best part: once approved, you can start using your digital card instantly, safely and easily, right from your mobile wallet.

Want to know how to apply quickly and confidently?

Follow the step-by-step guide below and discover how to get your Reflect® Card without complications.

Who Can Apply for the Wells Fargo Reflect Card?

Anyone 18 or older with a valid U.S. address and social security number can apply for the Reflect Card.

You’ll also need a valid email address, an active phone number, and a checking account for online access and payments.

And here’s the good news — no minimum income proof is required.

Your eligibility is determined digitally based on your current financial profile, ensuring accessibility for a wide range of applicants, including those rebuilding credit.

Step-by-Step: How to Apply for the Wells Fargo Reflect Card

Getting your Reflect® Card is simple, completely digital, and only takes a few minutes.

You can do everything from your phone or computer and start using your card right away after approval.

Here’s how it works 👇

1️⃣ Go to the Wells Fargo website: Visit wellsfargo.com/reflect to begin your application process.

2️⃣ Fill in your details: Complete your personal and financial information to allow for an instant credit review.

3️⃣ Wait for approval: Wells Fargo performs a quick, secure analysis and lets you know if you’re approved — usually within minutes.

4️⃣ Review and accept your terms: Once approved, carefully review your rate and conditions, then accept them digitally to activate your account.

5️⃣ Start using your card immediately: Your digital Reflect® Card will be ready in your mobile wallet for instant use — no waiting for the physical card in the mail.

As soon as your application is approved, your digital access is activated instantly.
Wells Fargo provides a secure, paperless experience, so you can manage your card and transactions with full transparency through the Wells Fargo Mobile® App.

Everything happens digitally, with no middlemen and complete clarity, so you have the credit you need as quickly and safely as possible.

Written by

Gabriel Gonçalves