Steps to Obtain the Wells Fargo Reflect Card
If you’re in search of a straightforward and speedy method to obtain flexible credit, whether you’re starting fresh or rebuilding your credit, the Wells Fargo Reflect Card might be just what you need.
This card features one of the longest 0% introductory APR periods available in the U.S. — lasting up to 21 months on both purchases and balance transfers — with no annual fee and no hidden fees.
Everything is manageable online or via your smartphone, eliminating the need to step into a branch.
Plus, the great news is that once you’re approved, you can immediately use your digital card, safely and conveniently, right from your mobile wallet.
Curious about how to apply swiftly and confidently?
Check out the step-by-step guide below to find out how to easily obtain your Reflect® Card.
Who Is Eligible for the Wells Fargo Reflect Card?
Any individual 18 years or older with a valid U.S. address and a social security number can apply for the Reflect Card.
You will also need a working email address, an active phone number, and a checking account for online management and payments.
Here’s some good news — no proof of minimum income is required.
Your eligibility is assessed digitally based on your current financial profile, making it accessible for a wide array of applicants, including those working on credit rehabilitation.
Step-by-Step: Applying for the Wells Fargo Reflect Card
Acquiring your Reflect® Card is straightforward, entirely digital, and takes just a few minutes.
You can handle everything from your device, and once approved, you can start using your card right away.
Here’s how it operates 👇
1️⃣ Visit the Wells Fargo site: Go to wellsfargo.com/reflect to kickstart your application.
2️⃣ Provide your information: Fill in your personal and financial details for a quick credit assessment.
3️⃣ Await approval: Wells Fargo conducts a swift and secure review to inform you of your approval status—typically within minutes.
4️⃣ Check and accept your terms: After approval, review your rates and conditions carefully, then accept digitally to activate.
5️⃣ Use your card right away: Your digital Reflect® Card will be available in your mobile wallet instantly—no need to wait for the physical card.
Once your application gets the green light, your digital access is activated immediately.
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 as quickly and safely as possible.
