A Guide to Applying for the Wells Fargo Reflect Card
If you’re in search of a straightforward and quick way to obtain flexible credit, whether you’re building or rebuilding your credit, the Wells Fargo Reflect Card might just be your best bet.
This card provides one of the longest 0% intro APR periods in the U.S. — lasting up to 21 months for both purchases and balance transfers — along with no annual fee and no hidden fees.
All processes can be handled online or via your phone, eliminating the need for a branch visit.
Best of all: once you’re approved, you can immediately start using your digital card, conveniently and securely, right from your mobile wallet.
Curious about how to apply swiftly and with confidence?
Check out the step-by-step guide below to see how you can get your Reflect® Card without any hassle.
Who Is Eligible to Apply for the Wells Fargo Reflect Card?
Any individual 18 years or older with a valid U.S. address and social security number is eligible to apply for the Reflect Card.
You will also need a valid email address, an active phone number, and a checking account for online access and transactions.
Here’s some good news — no proof of minimum income is necessary.
Your eligibility is assessed digitally based on your current financial situation, making it accessible to a diverse range of applicants, including those who are rebuilding their credit.
How to Apply for the Wells Fargo Reflect Card: A Step-by-Step Guide
Obtaining your Reflect® Card is straightforward, entirely digital, and takes only a few minutes.
You can handle everything from your phone or computer and start using your card immediately after approval.
Here’s how the process works 👇
1️⃣ Visit Wells Fargo: Head over to wellsfargo.com/reflect to kick off your application.
2️⃣ Provide your information: Enter your personal and financial details for an instant credit evaluation.
3️⃣ Await approval: Wells Fargo will swiftly conduct a secure review and inform you of your approval status—typically within minutes.
4️⃣ Understand and accept your terms: After approval, take a moment to review your rates and terms, then accept them digitally to activate your account.
5️⃣ Use your card right away: Your digital Reflect® Card will be available in your mobile wallet for immediate use—no need to wait for a physical card.
Once your application is approved, your digital access activates instantly.
Wells Fargo offers a secure, paperless experience, letting you manage your card and transactions transparently via the Wells Fargo Mobile® App.
Everything is handled digitally, with no intermediaries and full transparency, ensuring you get the credit you need swiftly and securely.
