See How to Apply for the Wells Fargo Reflect Credit Card
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The Wells Fargo Reflect® Card offers strong security features, everyday Visa acceptance, and no annual maintenance fees—making it a smart option for managing finances with confidence.
What Should You Know Before Applying?
The Wells Fargo Reflect® Card is an award-winning credit card, known for its 0% introductory APR for 21 months and $0 annual fee—a powerful combination for those looking to save on interest.
CREDIT CARD
Wells Fargo Reflect
Want a good and award-winning card? Apply now.
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About Wells Fargo
Wells Fargo is a well-established American financial institution offering a wide array of services—including personal banking, wealth management, and credit cards. The Reflect® Card, backed by Visa, is one of its most popular entry-level offerings.
Key Features:
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🆓 $0 annual fee
⏳ 0% APR on purchases and balance transfers for the first 21 billing cycles (then variable APR of 18.24%, 24.74%, or 29.99%)
🔁 Balance transfers at a reduced introductory rate if made within the first 120 days
🏅 Awards and Recognition:
Best 0% Credit Card of 2024 – The Ascent
Best 0% Credit Card of 2024 – CNBC Select
Best Balance Transfer Card of 2023 – U.S. News
These accolades reflect the card’s reputation and effectiveness in helping users manage or consolidate debt.
Who’s Eligible to Apply?
To qualify for the Reflect® Card, applicants must meet the following requirements:
Be 18 years or older
Reside in the United States (U.S. citizens and eligible non-residents)
Have a good to excellent credit score for optimal approval odds
📋 Recommended Documents:
Social Security card or ITIN
Passport with valid work visa (if applicable)
Proof of income
Proof of U.S. residence
How to Apply for the Wells Fargo Reflect® Card
To apply, simply click the “Apply Now” button on the official Wells Fargo Reflect® page. You’ll be asked to provide:
🧾 Personal Information
Full name, suffix, date of birth
Social Security Number or ITIN
📞 Contact Details
Address, ZIP Code, phone number, email
Nationality
🔐 Security Verification
Mother’s maiden name
💼 Financial Information
Housing status (own, rent, etc.)
Employment status
Total annual income
After submitting the form, Wells Fargo will evaluate your application. You may be asked to provide additional documentation or receive follow-up contact from a bank representative.
CREDIT CARD
Wells Fargo Reflect
Want a good and award-winning card? Apply now.
Additional Card Benefits
Besides the low fees, the Wells Fargo Reflect® Card includes valuable daily-use benefits:
Cell Phone Protection: Up to $600 in coverage for theft or damage (subject to a $25 deductible)
Roadside Dispatch: 24/7 emergency services including towing, jump-starts, or locksmith support
Zero Liability Protection: You’re not responsible for unauthorized purchases
My Wells Fargo Deals: Exclusive cashback opportunities at select merchants
Credit Close-Up: A free service that helps you track and improve your FICO® score with insights and tips
These features make the Reflect® Card a practical, no-frills option for everyday spending and credit building.
Looking for an Alternative?
If you’re open to more benefits and potentially higher credit limits, consider the Wells Fargo Autograph® Card:
💰 $200 welcome bonus
💳 $0 annual fee
🎯 3X points on categories like travel, dining, and gas
🛡️ Cell phone protection and Visa Signature perks
🧐 Check out the Autograph® Card and see how to apply.
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