Essential Insights Before You Apply
The Wells Fargo Reflect is a highly acclaimed card, featuring an impressive introductory 0% APR for 21 months and no annual fees!
Wells Fargo is a prominent American firm providing a variety of financial services across the nation.
They offer services in investments, wealth management, small business support, and corporate banking.
Moreover, they have their own range of credit cards, including the Wells Fargo Reflect Card, which features the Visa logo and boasts two key benefits:
- No annual fee for card upkeep;
- 0% APR for 21 months after opening; rates afterward are 18.24%, 24.74%, or 29.99%;
- Balance transfer at lower rates for 120 days after account opening.
No surprise, this card has won multiple awards in the U.S. market; check out some of its accolades:
- Best 0% Credit Card of 2024 by The Ascent
- Best 0% Credit Card of 2024 by CNBC Select
- Best Balance Transfer Credit Card of 2023 by US News
This gives you the assurance of a well-regarded card globally, and you can delve deeper into the essential details!
Eligibility Criteria
The Reflect is among Wells Fargo’s entry-level credit cards, providing better terms for consumers.
To qualify for this card, applicants must be at least 18 years old and properly registered in the country, whether as a citizen or a resident.
Income requirements are flexible, but you should present documentation that aligns with your credit limit.
A credit score of at least good to excellent is also needed to increase your chances of approval.
For your application, it’s best to gather these documents:
- Social Security card copy
- Passport copy with work visa
- Income verification
- Proof of residency
How Can I Apply for the Wells Fargo Reflect Credit Card?
To get started, access the ‘Apply Now’ form found on the Reflect page. You’ll be prompted to provide the following details:
- Your details: full name, suffix, date of birth, and SSN/ITIN
- Contact info: address with city, state, ZIP; nationality, email, and phone
- Security details: mother’s maiden name
- Financial details: housing status (own, rent, etc.); employment status; total annual income
After entering your details, complete the security checks. Wells Fargo will evaluate your information to determine if you qualify for the card.
During this process, you might need to provide additional documents and could be contacted. Feel free to reach out to the bank for assistance.
Additional Information
Alongside its low fees, the Wells Fargo Reflect card provides useful perks for everyday expenses, like cell phone protection up to $600 in case of theft or damage, with a $25 deductible.
Roadside Dispatch offers 24/7 assistance, providing services like towing and locksmith help.
With Zero Liability Protection, you won’t be responsible for unauthorized transactions.
My Wells Fargo Deals offers exclusive conditions and access for shopping with various merchants, a great way to earn cashback on purchases.
Lastly, Credit Close-Up helps you monitor and improve your FICO score with personalized tips and insights. This service is completely free for Wells Fargo customers.
As a result, this card is quite handy for daily use; it may not have premium features, but it delivers consistent value for its cost.
Interested in exploring another choice?
If you’re seeking a card with enhanced perks and higher fees, consider the Wells Fargo Autograph, which comes with a $200 sign-up bonus and no annual fee.
This card provides 3x points across multiple categories, Visa Signature features, travel support, and roadside assistance. Check out how to apply.
