Essential Information Before You Apply
The Wells Fargo Reflect is a highly acclaimed card, notable for its introductory 0% APR lasting for 21 months and no annual fee!
Wells Fargo is a prominent American institution providing a variety of financial services nationwide.
It offers investment and wealth management services along with support for small businesses and corporate banking.
Moreover, it provides various credit card options, including the Wells Fargo Reflect Card, which boasts the Visa logo and two standout features:
- No annual fee for the card;
- 0% introductory APR for 21 months; after which rates are 18.24%, 24.74%, or 29.99%.
- Balance transfers at lower rates for 120 days post-account opening.
It’s no surprise this card has won multiple awards in the U.S.; check out some accolades:
- Best 0% Credit Card of 2024 by The Ascent
- Best 0% Credit Card of 2024 by CNBC Select
- Best Balance Transfer Card of 2023 by US News
This ensures you have the backing of a globally recognized card, so keep reading for more important details!
Who is Eligible to Apply?
The Reflect is considered one of Wells Fargo’s entry-level cards, providing attractive conditions for applicants.
To qualify, you must be at least 18 years old and properly registered in the country, whether as a citizen or resident.
Income requirements are flexible, and you’ll need to show an amount that meets the credit limit.
A credit score of at least good to excellent is also necessary for a better chance of approval.
For your application process, it’s best to have these documents on hand:
- Social Security card copy
- Passport copy with work visa
- Income verification
- Proof of your residence
How to Apply for the Wells Fargo Reflect Credit Card?
To begin your application, simply click on the ‘Apply Now’ button found on the Reflect webpage. You’ll be led to provide the following details:
- Your Information: full name, suffix, birthdate, and SSN/ITIN
- Contact Details: complete address including city, state, ZIP Code; nationality, email, and phone number
- Security Details: mother’s maiden name
- Financial Details: housing status (own, rent, or other); employment status (employed, self-employed, unemployed, or retired); total yearly income
Once you’ve provided the information, finish the security checks. Wells Fargo will evaluate the information to determine your card eligibility.
Throughout the process, you might need to send in documents and may receive follow-up communication. Feel free to reach out to the bank for assistance.
Additional Information
Beyond the low fees, the Wells Fargo Reflect card provides excellent perks for daily life, such as cell phone coverage up to $600 for theft or damage, with a $25 deductible.
Roadside Dispatch offers 24/7 assistance, providing complete services like towing and locksmith support.
With Zero Liability Protection, you won’t be responsible for unauthorized transactions.
My Wells Fargo Deals offers exclusive offers and access for shopping with retailers, making it easy to earn cashback on various purchases.
Lastly, you can use Credit Close-Up to monitor and enhance your FICO score with helpful tips and personalized insights. This service is free for Wells Fargo clients.
In summary, this card is quite suitable for everyday expenses, lacking premium features but aligning well with its pricing.
Interested in exploring another option?
If you’re looking for a card that offers greater perks and comes with a higher price tag, consider the Wells Fargo Autograph. It features a $200 bonus and no annual fee.
This card provides 3x points in various categories, Visa Signature services, travel help, and roadside assistance. Check out how to apply.
