Learn How to Apply for a Wells Fargo Reflect Credit Card

What do I need to know before applying?

Wells Fargo Reflect is a strong credit card for making balance transfers with 0% APR! 

Wells Fargo is one of the leading financial institutions in the U.S. market, offering a range of banking services for different profiles, including businesses and individuals. 

The bank provides account management, investment services, and, of course, its lines of credit cards, offering various options for all budgets. 

The Wells Fargo Reflect Credit Card, according to projections, has a minimum limit starting at $1,000, suitable for beginner to medium usage. However, the limit can increase significantly depending on your credit profile. 

In terms of costs, the card offers a $0 annual fee, with other fees and charges depending on the payments and services you need. 

One of the main attractions of the Wells Fargo Reflect is its introductory 0% APR for 21 cycles, one of the longest periods available in the market for purchases. 

For balance transfers, the 0% APR is valid for all qualifying transactions made within 120 days. Balance transfer is an important feature that allows you to bring debts from other credit cards to the

Wells Fargo Reflect, which can help you save money with lower interest payments. 

It’s no wonder the card is highly awarded as a top choice for balance transfers, receiving recognition fromevaluators such as NerdWallet, The Ascent, and CNBC Select. 

The card doesn’t have a rewards system or sign-up bonus, as it focuses on being a low-cost card for everyday purchases. 

And if that’s exactly what you’re looking for, keep reading.

Who can Apply?

To apply for the credit card, Wells Fargo offers selection criteria that align well with the card’s offerings. 

In this sense, you must be at least 18 years old, reach the age of majority in your state, and be a legally registered citizen of the country, whether native-born or a foreign national. 

In terms of income, you may need to submit proof of income to obtain the credit. Additionally, Wells Fargo typically requires a good to excellent credit score. 

During the process, you may also need to provide identity and financial documentation. 

However, there are no significant barriers to getting your Wells Fargo card for daily use.

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

To begin the application process for the credit card, you can click on the “Apply Now” button. 

You will be redirected to the application page, where you will need to provide the following information to complete the form: 

• About you: first name, middle name (optional), last name, suffix, SSN/ITIN, and date of birth 
• Contact information: home or permanent address, city, state, nationality, phone number, ZIP code, and email address 
• Mother’s maiden name as a security question 
• Financial information: housing type (rent or own), employment status (self-employed, retired, or regular employee), and gross annual income 

After submitting your information, Wells Fargo will review your data to provide a decision. 
In general, the bank promises a fast and easy approval process, as long as all required information is submitted.

More Details

While the card doesn’t offer many cashback or rewards systems, it does come with other benefits. 
The first is cell phone protection of up to $600 against theft, loss, and damage, subject to a $25 deductible. 

The Roadside Dispatch system offers a 24/7 assistance network with emergency towing and locksmith services wherever you are. 

The My Wells Fargo Deals program provides a series of personalized offers exclusive to Wells Fargo customers, helping you get discounts. 

Zero liability protection allows you to dispute any unrecognized transactions, closely monitoring all expenses made with your card. 

Lastly, you can use Credit Close-Up to monitor your FICO score. Through this system, you get monthly updates and can check for new credit opportunities. 

Want to learn another option?

Looking for a card with more benefits? Chase’s Prime Visa Rewards offers even greater perks for Amazon customers, such as 5% cashback on purchases made with the brand’s services. 

Additionally, you get 2% cashback at gas stations, a $0 annual fee, and frequent bonuses on Prime. Learn how to apply now.

Written by

Gabriel Gonçalves

Writer with over 10 years of experience specializing in finance and education. Master's student in Communication and an expert in online content production.