The Wells Fargo Reflect Credit Card is a solid choice for anyone seeking everyday convenience and cost savings. With no annual fee, an extended 0% APR introductory period, and security protections backed by Visa, it’s designed to provide peace of mind and financial flexibility.
What Should You Know Before Applying?
The Reflect card is especially popular for its 21-month 0% introductory APR on purchases and balance transfers, giving cardholders one of the longest interest-free periods available. After this promotional window, the APR adjusts to a variable rate based on your credit profile.
In addition, the card has no yearly maintenance fee, making it a straightforward and affordable option for people who want reliability without extra costs.
Balance transfers completed within the first 120 days benefit from a reduced fee, which adds another layer of value for those looking to manage existing debt.
Notably, the Reflect has been recognized with several awards for being one of the best 0% APR cards in the U.S.
Wells Fargo Reflect – Key Features
- ✅$0 annual fee
- ✅0% intro APR for 21 months on purchases and balance transfers
- ✅Flexible credit limits starting at $1,000
- ✅Full Visa network acceptance worldwide
- ✅Zero Liability Protection for unauthorized transactions
Who Can Apply?
Applicants must be at least 18 years old (or 19 in some states), reside legally in the United States, and have a valid Social Security number.
Proof of income is required to determine eligibility and credit limits. While Wells Fargo accepts a broad range of applicants, having a good or excellent credit score will improve your chances of approval.
It’s recommended to have the following documents ready:
- Social Security number or ITIN
- Government-issued ID (passport or driver’s license)
- Proof of income (pay stub or tax return)
- Proof of residence (utility bill or bank statement)
How to Apply for the Wells Fargo Reflect Credit Card
To apply, visit the official Wells Fargo website and click on “Apply Now.” The process requires filling out an online form with details such as:
- Full name, date of birth, and SSN/ITIN
- Current address, phone number, and email
- Employment status and annual income
- Housing status (own, rent, or other)
Once submitted, Wells Fargo will review your application. In many cases, applicants receive instant decisions. Additional documents may be requested to verify your information.
More Benefits
👉 Beyond the introductory APR and lack of fees, the Reflect card offers several useful perks:
- Cell Phone Protection – coverage up to $600 against theft or accidental damage (with a $25 deductible).
- Roadside Dispatch – 24/7 emergency assistance like towing and locksmith services.
- Zero Liability Protection – you won’t be held responsible for unauthorized charges.
- My Wells Fargo Deals – exclusive discounts and cashback offers at partner stores.
- Credit Close-Up Tool – free access to your FICO score and personalized tips to improve your credit health.
This makes the Reflect card a low-cost, security-focused solution for those who value stability and practical benefits rather than premium rewards.
* You will be directed to an external website