Get Your Wells Fargo Reflect Card in 4 Simple Steps

With the Reflect® Card, getting the credit you need is fast, secure, and fully digital.

The application process was designed to offer a smooth and accessible experience, ideal for anyone who wants to manage their finances smarter — with no annual fee and no unnecessary complications.

Everything happens online, without paperwork or waiting in line. Just fill out your information, submit your application, and get a quick decision — all in just a few minutes.

Approval is simple, and once approved, you can start using your digital card instantly through your mobile wallet, with complete safety and transparency.

At Wells Fargo, what matters is where you’re going, not your past. That’s why the Reflect Card offers flexible solutions for a wide range of credit profiles, helping you manage your finances confidently and build your credit along the way.

The Reflect Card adapts to your lifestyle, offering clear, fair terms and smart tools to help you stay in control, all through a modern, intuitive digital experience.

With fast approval, strong security, and long-term savings, Reflect® makes managing credit simple, fair, and accessible for everyone.

Apply for Your Wells Fargo Reflect Card in 4 Simple Steps 🚀

With Reflect, you can get approved online and start using your card right away — fast, easy, and secure. Here’s how it works:

1️⃣ Choose Your Card & Apply Online

Visit the Wells Fargo website and select the Reflect® Card. Start your application by filling out your personal and financial details.

2️⃣ Submit Your Information Securely

Your application is processed safely through Wells Fargo’s encrypted system, ensuring total protection of your personal data.

3️⃣ Get an Instant Decision

In just minutes, you’ll receive your approval decision. If approved, your digital card will be available for immediate use while you wait for the physical one to arrive.

4️⃣ Start Using Your Card

Enjoy up to 21 months of 0% intro APR, no annual fee, and access to all your account features through the Wells Fargo Mobile® App — where you can manage your spending, track payments, and stay on top of your finances anytime, anywhere.

Fast, flexible, and secure — the Wells Fargo Reflect® Card is the smart way to take control of your credit, simplify your payments, and save on interest.

Written by

Gabriel Gonçalves