Steps to Submit Your Application for the Wells Fargo Reflect Card
If you’re seeking a straightforward and fast way to obtain flexible credit, whether you’re establishing or rebuilding your credit, the Wells Fargo Reflect Card might be just what you need.
This card provides one of the longest 0% intro APR periods available in the U.S. — offering up to 21 months on purchases and balance transfers, with no annual fee and no hidden fees.
Everything can be managed online or via your mobile device, so there’s no need to step into a branch.
Plus, once you’re approved, you can instantly use your digital card safely and conveniently from your mobile wallet.
Curious about how to apply smoothly and confidently?
Check out the detailed steps below to find out how to get your Reflect® Card without hassle.
Who Is Eligible for the Wells Fargo Reflect Card?
Anyone aged 18 or older with a valid U.S. address and a Social Security number can apply for the Reflect Card.
You’ll also need a valid email address, an active phone number, and a checking account to facilitate online access and payments.
Here’s some great news — no minimum income verification is necessary.
Your eligibility will be assessed digitally based on your current financial profile, making it accessible for a broad range of applicants, including those who are rebuilding their credit.
Step-by-Step Guide: Applying for the Wells Fargo Reflect Card
Acquiring your Reflect® Card is straightforward, entirely digital, and takes just a few minutes.
Everything can be done from your phone or computer, and you can start using your card immediately after approval.
Here’s how this works! 👇
1️⃣ Visit Wells Fargo: Go to wellsfargo.com/reflect to kick off your application.
2️⃣ Fill out your information: Provide your personal and financial details for a quick credit assessment.
3️⃣ Await your approval: Wells Fargo conducts a fast, secure review and informs you of your approval status—typically in just a few minutes.
4️⃣ Check and accept the terms: After approval, review your rates and conditions, then digitally accept them to activate your account.
5️⃣ Start using your card right away: Your digital Reflect® Card will be available in your mobile wallet, ready for immediate use—no need to wait for the physical card.
Once your application is approved, your digital access is activated instantly.
Wells Fargo offers a secure, paperless experience, allowing you to manage your card and transactions with total transparency via the Wells Fargo Mobile® App.
Everything is done digitally, with no intermediaries and full clarity, ensuring you get the credit you need quickly and safely.
