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Quick, Secure, and Easy Credit Using the Wells Fargo Reflect Card

Need some breathing room for your payments or flexibility for unexpected costs? The Reflect Card offers up to 21 months of 0% intro APR on purchases and qualifying balance transfers — providing you with the security and control you need.

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Benefits

  • Up to 21 months of 0% intro APR
  • Zero Liability Protection
  • User-friendly account management via Wells Fargo Mobile® App
  • Automatic payment reminders to keep you on track

When Is It Beneficial to Get a Credit Card?

Life can throw surprises your way, be it unexpected bills, urgent costs, or amazing opportunities that demand swift action. In such times, a credit card with a long 0% intro APR period can be an ideal tool for managing your budget and keeping your finances in check.

With the Reflect® Card, everything is streamlined and secure — no paperwork, no delays, no hidden surprises. It’s a smart choice for anyone who values convenience, flexibility, and peace of mind.

When Is the Ideal Time to Apply for a Credit Card?

If you’re seeking greater control, savings, or flexibility in your financial dealings, the Reflect card could be a fantastic option.

Consider these instances when it might be the right choice:

  • Consolidating debts: Merge higher-interest balances into one account with 0% intro APR to save on interest.
  • Covering urgent expenses: Tackle medical bills or emergencies without immediate stress.
  • Handling daily needs: Use your card for routine repairs or everyday costs while managing payments effectively.
  • Taking advantage of opportunities: Invest in courses, upgrades, or personal projects — and pay later without extra interest.

How to Get the Wells Fargo Reflect Card

Getting your Reflect Card is easy and entirely online.

Just go to the official Wells Fargo website, enter your information, and submit your application. After approval, you can immediately start using your digital card via your mobile wallet.

Managing your account is a breeze with the Wells Fargo Mobile® App, where you can monitor spending, set alerts, and schedule payments in just a few seconds.

Find out how to apply and start reaping your rewards in just a few easy steps!

Definitely. The Wells Fargo Reflect® Card incorporates top-notch security features, 24/7 fraud monitoring, and Zero Liability Protection — meaning you’re not liable for unauthorized transactions. Every transaction is encrypted and constantly monitored to safeguard your information and funds.

Absolutely! The Reflect® Card is designed to assist you in building or enhancing your credit, provided you use it responsibly. You’ll also gain complimentary access to your FICO® Score, allowing you to track your credit journey at any time.

There’s no annual fee, and balance transfer fees are competitive. You’ll always have clarity on what you’re paying — no surprises, no hidden fees.

You can benefit from up to 21 months of 0% introductory APR on purchases and qualifying balance transfers — one of the longest durations offered by any major bank.

Once your application is approved, you can start using your Reflect® Card right away through your mobile wallet, even before your physical card arrives. It’s quick, secure, and designed to give you complete financial control from the get-go.

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