Discover the Process for Applying to the Wells Fargo Reflect Credit Card
The Wells Fargo Reflect card comes with no maintenance fees and offers solid security features, along with Visa acceptance for your daily transactions.
Essential Information Before You Apply
The Wells Fargo Reflect is an award-winning credit card, featuring a 0% introductory APR for 21 months and no annual fee!
Wells Fargo is a prominent American institution providing a wide array of financial services nationwide.
They offer services in investments, wealth management, small business solutions, and corporate banking.
Moreover, they provide various credit card options. The Wells Fargo Reflect Card is equipped with the Visa logo and boasts two key features:
- No annual fee for the card;
- 0% intro APR for 21 months; after that, rates are 18.24%, 24.74%, or 29.99%;
- Balance transfers at lower rates for 120 days after opening.
It’s no surprise that this card has won multiple awards in the U.S. market; check out some of the 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 ensures you have the trust of a globally respected card, so keep reading for more vital details!
Eligibility Criteria
The Reflect is considered an entry-level credit card from Wells Fargo, offering great benefits to applicants.
To qualify, applicants must be at least 18 years old and registered in the country, whether as a citizen or resident.
Income requirements are flexible; you’ll need to show an income that aligns with your desired credit limit.
A good to excellent credit score is also necessary to enhance your chances of approval for the card.
For your application, it’s best to have these documents ready:
- Social Security card copy
- Passport with work visa copy
- Income proof
- Residence proof
How Can I Apply for the Wells Fargo Reflect Credit Card?
To start your application, simply access the ‘Apply Now’ form found on the Reflect page. You’ll need to provide the following details:
- Your details: full name, suffix, date of birth, and SSN/ITIN
- Your contact info: full address, city, state, ZIP, nationality, email, and phone
- Security info: mother’s maiden name
- Financial info: housing situation; employment status; annual income
Once you’ve entered the details, complete the security checks. Wells Fargo will evaluate the information to determine if they can approve your card.
Throughout the application, you may need to provide additional documents and may receive follow-up contact. Assistance is also available from the bank.
Additional Information
Besides the low fees, the Wells Fargo Reflect provides great features for daily life, such cell phone protection up to $600 against theft or damage, with a $25 deductible.
Roadside Dispatch offers 24/7 assistance with comprehensive roadside services like towing and locksmith help.
With Zero Liability Protection, you’re not held accountable for transactions that weren’t properly recognized or authorized.
My Wells Fargo Deals offers exclusive shopping benefits with merchants, a great way to earn cashback on various purchases.
Lastly, Credit Close-Up helps you monitor and improve your FICO score with useful tips and personalized insights. This service is free for Wells Fargo customers.
In summary, this card is well-suited for regular use, offering reliable features without extra premium perks, aligning with its affordability.
Interested in exploring another choice?
If you’re looking for a card packed with extra perks, take a peek at the Wells Fargo Autograph, which offers a $200 bonus and an annual fee of $0.
This card also provides 3x points across various categories, Visa Signature benefits, travel help, and roadside assistance. Check out how to apply.
