The Wells Fargo Reflect is a credit card that charges no annual fee and is widely accepted through the Visa network.
What Should You Know Before You Apply?
The Wells Fargo Reflect has earned multiple recognitions in the financial industry. Its two most notable features are the 0% introductory APR valid for 21 months and the absence of an annual maintenance fee.
Wells Fargo is a U.S.-based financial institution that offers a wide range of services to individuals and businesses throughout the country.
These services include wealth management, investment solutions, support for small business operations, and corporate banking.
Within its credit offerings, Wells Fargo provides several credit card options. The Reflect card, issued with the Visa logo, stands out for the following reasons:
- No annual cost for keeping the card active;
- A promotional 0% APR for 21 months from the date your account is opened. After the promotional period, the APR will adjust to a variable rate of 18.24%, 24.74%, or 29.99%, depending on your creditworthiness;
- Balance transfers may also qualify for reduced rates if completed within the first 120 days after opening the account.
Because of these advantages, the Reflect card has received various accolades from respected financial publications:
- Selected as 2024’s Best 0% APR Credit Card by The Ascent
- Named Best 0% APR Card of 2024 by CNBC Select
- Voted Best Balance Transfer Credit Card of 2023 by US News
It’s a reliable choice for users seeking value and long interest-free periods.
Who Can Apply?
The Wells Fargo Reflect is one of the bank’s entry-level cards, offering straightforward terms and accessibility for many users.
To be eligible, you must be at least 18 years old and legally residing in the United States, either as a citizen or as a foreign national with proper authorization.
The income requirements are not strictly defined. You’ll be expected to show sufficient income to support the credit limit you’re applying for, though flexibility exists in this aspect.
A credit score in the good to excellent range is typically needed to increase your chances of approval.
Before beginning your application, prepare the following documents:
- A valid Social Security Number or ITIN
- Passport and work visa, if applicable
- Proof of consistent income (such as pay stubs or tax returns)
- A document verifying your current residential address
Having these documents ready will streamline the application process and reduce delays.
How Do You Apply for the Wells Fargo Reflect Credit Card?
To start your application, go to the official page for the Wells Fargo Reflect and click the “Apply Now” button. This will take you to a secure form where you’ll need to provide the following details:
- Personal information: full legal name, any suffix used, date of birth, and your SSN or ITIN
- Contact information: your full home address (including city, state, and ZIP code), nationality, a valid phone number, and email
- Security details: your mother’s maiden name for identity verification
- Financial details: your housing situation (own, rent, or other), current employment status (employed, self-employed, unemployed, or retired), and total annual income
Once you complete the form, you’ll be prompted to go through security checks to confirm your identity. Wells Fargo will then review your submission and determine your eligibility.
If necessary, the bank may request supporting documents or reach out for additional clarification. You may also contact customer service at any point in the process if you need assistance.
More Details
Beyond its affordability, the Wells Fargo Reflect includes several practical features to make daily spending safer and more convenient.
One such feature is cell phone protection, which reimburses you up to $600 for damage or theft when you use the card to pay your wireless bill. A $25 deductible applies.
You’ll also have access to Roadside Dispatch, a 24/7 emergency service that helps with towing, flat tires, locksmiths, and more.
Another benefit is Zero Liability Protection, which ensures that you aren’t responsible for unauthorized transactions made with your card.
The My Wells Fargo Deals platform lets you access offers from selected merchants, allowing you to earn cashback or receive discounts on various products and services.
Lastly, the card includes access to Credit Close-Up, a free service for cardholders that lets you monitor your FICO credit score and receive tailored suggestions to improve your credit health over time.
All of these tools contribute to making the Reflect a solid option for routine use. While it doesn’t offer luxury rewards or travel perks, it provides good value and dependable features for everyday spending.
Want to learn another Option?
If you’re interested in a card with added rewards and benefits, the Wells Fargo Active Cash may be a better fit. It comes with unlimited 2% cashback on all purchases and a $200 bonus reward!
Check out now the advantages and see how to apply.