Discover the Steps to Apply for the Wells Fargo Reflect Credit Card
The Wells Fargo Reflect card boasts no maintenance fees, excellent security features, and widespread acceptance by Visa, making it ideal for daily transactions.
Essential Insights Before You Apply
The Wells Fargo Reflect card is a celebrated choice, boasting a stunning 0% APR for the first 21 months along with no annual fee!
CREDIT CARD
Wells Fargo Reflect
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Wells Fargo is a prominent American institution offering various financial services across the country.
It specializes in investments, wealth management, and banking services for both small businesses and corporations.
Moreover, they offer a variety of credit card options. The Wells Fargo Reflect Card features the Visa logo along with two key benefits:
- No annual maintenance fee;
- 0% intro APR for 21 months; rates after are 18.24%, 24.74%, or 29.99%;
- Lower rates on balance transfers for 120 days post account opening.
No surprise the card has snagged multiple awards in the U.S. market; check out some of its accolades:
- Best 0% Credit Card of 2024 by The Ascent
- Best 0% Credit Card of 2024 by CNBC Select
- Best Balance Transfer Card of 2023 by US News
This card offers worldwide reliability, so keep reading for more essential details!
Eligibility Criteria
The Reflect card serves as one of Wells Fargo’s beginner credit options, providing attractive terms for applicants.
To apply, you must be over 18 and legally registered in the country, whether you are a native or foreign citizen.
Income requirements are flexible, requiring a declaration that matches your desired credit limit.
A good to excellent credit score is necessary for a higher chance of approval for the card.
For your application, it’s best to have the following documents handy:
- Social Security card copy
- Passport with work visa copy
- Income proof
- Proof of residence
How to Apply for the Wells Fargo Reflect Card?
To start the application, you can find the ‘Apply Now’ form on the Reflect page. You will be directed to provide the following details:
- Your details: full name, suffix, date of birth, SSN/ITIN
- Contact details: complete address, city, state, ZIP Code; nationality, email, and phone number
- Security details: mother’s maiden name
- Financial details: housing status (own, rent, or other); employment status (employed, self-employed, not employed, or retired); total yearly income
Once you’ve entered all the information, complete the security checks. Wells Fargo will assess the details to determine if they can offer you the card.
Throughout this process, you might need to provide additional documents and may be contacted. Support from the bank is also available if needed.
CREDIT CARD
Wells Fargo Reflect
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Additional Information
The Wells Fargo Reflect not only has low fees but also offers useful features for daily life, such as cell phone protection up to $600 for theft or damage, with a $25 deductible.
Roadside Dispatch offers round-the-clock support, providing complete roadside assistance like towing and locksmith services.
With Zero Liability Protection, you aren’t responsible for unauthorized transactions that weren’t recognized.
My Wells Fargo Deals offers exclusive rewards and access when shopping with merchants, providing a great way to earn cashback on various purchases.
Lastly, Credit Close-Up helps you monitor and enhance your FICO score with personalized tips and insights, completely free for Wells Fargo clients.
In summary, the card is quite effective for daily usage, offering solid value without premium perks.
Looking for another option?
If you’re seeking a card that offers more perks but comes with higher fees, consider the Wells Fargo Autograph. It features a $200 bonus with no annual fee.
This card provides 3x points across various categories, Visa Signature perks, travel support, and roadside assistance. Find out how to apply.
