Fast, Safe & Simple Credit with the Wells Fargo Reflect Card

With the Wells Fargo Reflect® Card, you get a fast, secure, and 100% digital credit solution with no annual fee.

Need extra time to pay off your balance or want more flexibility for unexpected expenses? With the Reflect Card, you can enjoy up to 21 months of 0% intro APR on purchases and qualifying balance transfers — giving you the breathing room you need, with total security and control.

With Reflect®, you get:

✅ 0% intro APR for up to 21 months on purchases & balance transfers;
✅ No annual fee — ever;
✅ Easy, 100% online application;
✅ Instant access to your digital card once approved.

CHECK OUT THE FOUR STEPS TO GET THE CARD 🤩

The Wells Fargo Reflect Card is designed to make your financial life easier and smarter. The entire process, from applying to managing your account, is done online, securely and quickly, with transparent terms and flexible payment options that fit your budget.

Benefits

Up to 21 months of 0% intro APR
Zero Liability Protection
Easy account management via Wells Fargo Mobile® App
Automatic payment reminders to help you stay on track

CHECK OUT THE FOUR STEPS TO GET THE CARD 🤩 CHECK OUT THE FOUR STEPS TO GET THE CARD 🤩

When Is It Worth Getting a Credit Card?

Life happens, unexpected bills, urgent expenses, or great opportunities that can’t wait. In those moments, a credit card with a long 0% intro APR period can be the perfect tool to manage your budget wisely and maintain control over your finances.

With the Reflect® Card, everything is done digitally and safely — no paperwork, no waiting, and no surprises. It’s a smart solution for anyone who values convenience, flexibility, and peace of mind.

When Is the Right Time to Apply for a Credit Card?

A credit card like the Reflect can be an excellent choice if you’re looking for more control, savings, or flexibility in your financial life.

Here are a few moments when it might be the right decision:

Consolidating balances: Combine higher-interest balances into one account with 0% intro APR to save money on interest.
Handling unexpected expenses: Cover medical bills or emergencies without immediate pressure.
Managing everyday needs: Use your card for repairs, maintenance, or daily expenses while staying in control of payments.
Seizing opportunities: Invest in courses, upgrades, or personal projects — and pay later without extra interest.

How to Apply for the Wells Fargo Reflect Card

Applying for your Reflect Card is simple and 100% online.

Just visit the official Wells Fargo website, fill out your details, and submit your application. Once approved, you can start using your digital card immediately through your mobile wallet.

Managing your account is easy with the Wells Fargo Mobile® App, where you can track spending, set alerts, and schedule payments in seconds.

👉 SEE ALL THE STEPS RIGHT NOW 👈

Learn how to apply and start enjoying your benefits in just a few steps!

Absolutely. The Wells Fargo Reflect® Card is built with advanced security technology, 24/7 fraud monitoring, and Zero Liability Protection — meaning you won’t be held responsible for unauthorized charges. Every transaction is encrypted and monitored in real-time to keep your data and money safe.

Yes! The Reflect® Card is designed to help you build or strengthen your credit, as long as you use it responsibly. You’ll also get free access to your FICO® Score, so you can track your credit progress anytime.

There’s no annual fee, and balance transfer fees are competitive. You’ll always know what you’re paying — no surprises, no hidden costs.

You can enjoy up to 21 months of 0% introductory APR on purchases and qualifying balance transfers — one of the longest periods available from any major bank.

Once your application is approved, you can start using your Reflect® Card instantly through your mobile wallet, even before your physical card arrives. It’s fast, secure, and designed to give you total financial control from day one.