A Guide to Applying for the Wells Fargo Reflect Card
If you’re seeking a straightforward and quick route to obtain flexible credit, whether you’re building or restoring your credit, the Wells Fargo Reflect Card might just be the perfect choice.
This card features one of the most extended 0% intro APR periods in the U.S. — offering up to 21 months on purchases and balance transfers — along with no annual fee and no hidden charges.
Everything can be managed online or via your mobile device, so you won’t need to step foot in a branch.
And the highlight: once you’re approved, you can immediately start using your digital card, securely and conveniently, right from your mobile wallet.
Curious about how to apply swiftly and with confidence?
Check out the step-by-step guide below to learn how to secure your Reflect® Card without any hassle.
Who Is Eligible for the Wells Fargo Reflect Card?
Any individual 18 years or older possessing a valid U.S. address and a social security number can 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 payments.
Here’s the great news — there’s no requirement for minimum income proof.
Your eligibility is assessed digitally via your current financial profile, making it accessible to a broad spectrum of applicants, including those who are working on rebuilding their credit.
Step-by-Step Guide: How to Apply for the Wells Fargo Reflect Card
Obtaining your Reflect® Card is straightforward, entirely digital, and takes only a few minutes.
You can manage everything from your phone or computer and start using your card immediately after approval.
This is the process we follow 👇
1️⃣ Visit the Wells Fargo site: Go to wellsfargo.com/reflect to start your application.
2️⃣ Enter your information: Fill out your personal and financial details for an instant credit assessment.
3️⃣ Wait for the decision: Wells Fargo conducts a fast, secure review and informs you of your approval status—typically within minutes.
4️⃣ Check and accept your terms: After approval, review your rates and conditions, then accept them online to activate your account.
5️⃣ Use your card right away: Your digital Reflect® Card will be instantly available in your mobile wallet—no need to wait for the physical card.
Once your application is approved, your digital access is activated instantly.
Wells Fargo ensures a secure, paperless experience, allowing you to manage your card and transactions transparently through the Wells Fargo Mobile® App.
Everything occurs digitally, with no intermediaries and full clarity, so you can access the credit you need quickly and safely.
