Wells Fargo Reflect® Card with 0% intro APR: how to apply


Wellsfargo: Best for: Fraud Protection — Enhanced Security Features


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Rates & Fees
Apply Now on Wellsfargo website
  • Annual Fee


  • Rewards rate

    Unlimited 2% cash rewards on purchases

  • Intro offer

    $200 cash rewards when you spend $500 in the first 3 months

  • Purchase APR

    0% intro APR for 21 months from account opening on purchases

Product Details

Cellular Telephone Protection

Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Security features

Help keep your account information secure with advanced security features like Voice Verification and 2-step Verification at sign-on.

Wells Fargo Mobile® app

Pay bills and check account activity at home or on the go with the Wells Fargo Mobile® app.

Our take

Zero Liability protection

Built-in protection features ensure that you won’t be held responsible for unauthorized transactions, as long as they’re reported promptly.5


Tap your card where you see the Contactless Symbol and speed through checkout!

Credit Close-Up

With Credit Close-Upservice mark you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO® Score updates and personalized credit insights. It’s complementary to Wells Fargo Online® customers and using it won’t negatively affect your score.

Are you looking to unlock a world of financial possibilities with the Wells Fargo credit card? You’re about to embark on a journey filled with incredible advantages and opportunities.

In this article, we’ll not only highlight the fantastic benefits of having a Wells Fargo credit card but also guide you through the crucial steps of obtaining one. So, let’s dive right in!

What are the Requirements for Applying?

Before you can enjoy the perks of a Wells Fargo credit card, it’s essential to meet certain requirements. These requirements ensure that you’re a responsible and eligible cardholder. Here are the key prerequisites:

  1. Age: To apply for a Wells Fargo credit card, you typically need to be at least 18 years old. However, for some specific cards, the minimum age requirement may be higher.
  2. Residence: Most Wells Fargo credit cards are available to U.S. residents. You need a valid U.S. address to be eligible. International applicants may have different options.
  3. Employment: While being employed is not always a strict requirement, having a stable source of income can enhance your chances of approval. Wells Fargo wants to ensure that you can manage your credit responsibly.
  4. Minimum Income: Some Wells Fargo credit cards may have a minimum income requirement. This requirement varies depending on the card you’re applying for. Make sure to check the specific income requirements for the card you’re interested in.
  5. Credit History: Your credit history plays a crucial role in the approval process. Wells Fargo will review your credit report to assess your creditworthiness. A good credit score increases your chances of approval.

What Documents Do You Need?

Now that you know the basic requirements let’s talk about the documents you’ll need to complete your Wells Fargo credit card application. Having the right documents ready can speed up the process and ensure a smooth application experience. Here’s what you’ll typically need:

  1. Personal Identification: Provide a valid government-issued photo ID, such as a driver’s license or passport, to verify your identity.
  2. Proof of Residence: You’ll need to confirm your address. A utility bill or a lease agreement with your name and address can serve as proof.
  3. Income Verification: To demonstrate your ability to manage credit, you’ll need to provide proof of income. Pay stubs, tax returns, or employment verification letters are commonly accepted forms of income documentation.
  4. Social Security Number (SSN): Your SSN is essential for credit checks and verification purposes.
  5. Previous Financial Statements: In some cases, you may be asked to provide bank statements or information about your existing financial obligations.

By ensuring you have these documents readily available, you can streamline the application process and increase your chances of approval for a Wells Fargo credit card.

Now that you’re armed with knowledge about the requirements and necessary documents, you’re well-prepared to take the next steps toward securing your Wells Fargo credit card and enjoying the benefits it has to offer. Don’t miss out on this fantastic financial tool – start your application today!

Who is the Wells Fargo Card Recommended For?

If you’re considering applying for a Wells Fargo credit card, you’re on the right track to enhancing your financial flexibility. But who is this card really suited for? Let’s explore four distinct profiles of individuals who can benefit from the Wells Fargo credit card.

The Frequent Traveler

If you’re constantly on the move, the Wells Fargo credit card can be your perfect companion. With travel rewards, perks like airport lounge access, and travel insurance, this card is tailored to suit the globetrotter in you. Say goodbye to foreign transaction fees and hello to more rewarding travel experiences.

The Budget-Savvy Shopper

For those who love to shop wisely and save, the Wells Fargo credit card offers cashback rewards and discounts at various retailers. This card can help you maximize your savings on everyday purchases and even provide exclusive access to sales events. Shop smart and make your money work for you.

The Responsible Student

Are you a student looking to build your credit history while managing your finances responsibly? The Wells Fargo student credit card is designed for you. It offers educational resources to help you develop financial literacy, and its manageable credit limits encourage responsible spending.

The Homeowner or Aspiring Homebuyer

If you’re in the market for a home or already a homeowner, the Wells Fargo credit card can assist you in achieving your goals. By earning rewards and potentially improving your credit score through responsible card usage, you’ll be better positioned for mortgage approval and favorable rates.

Our Advice for Those Applying for the Wells Fargo Card

As you embark on your journey to obtain a Wells Fargo credit card, here’s some valuable advice to ensure a smooth and successful application process.

First and foremost, take the time to carefully review the various Wells Fargo credit card options. Choose the one that aligns with your lifestyle and financial goals. Whether it’s travel rewards, cashback, or building credit, there’s a card tailored to your needs.

Next, before applying, check your credit report and score. A good credit score increases your chances of approval and may lead to better terms and rewards. If your credit score needs improvement, consider taking steps to boost it before applying.

When you’re ready to apply, ensure you have all the necessary documentation and information ready, as we mentioned in a previous section. This will streamline the application process and reduce any potential delays.

Lastly, be mindful of your spending and payment habits once you have your Wells Fargo credit card. To fully benefit from the card’s advantages, make timely payments, avoid carrying high balances, and stay within your credit limit.

With careful consideration, preparation, and responsible usage, the Wells Fargo credit card can be a valuable addition to your financial toolkit, helping you achieve your financial goals and enjoy a world of benefits.

Weighing the Pros and Cons – Is It Worth It?

After exploring the benefits, requirements, and advice for obtaining a Wells Fargo credit card, the big question remains: Is it worth it? The answer, resoundingly, is yes! However, whether it’s worth it for you depends on your individual financial goals and lifestyle.

For the frequent traveler, the Wells Fargo credit card is a no-brainer. The travel rewards, airport lounge access, and other perks make it an excellent choice for globetrotters. It’s a gateway to enhanced travel experiences and savings.

If you’re a budget-savvy shopper, the cashback rewards and discounts can significantly boost your savings on everyday purchases. Your money works harder for you, and that’s always a win.

Students looking to build their credit history responsibly will find the Wells Fargo student credit card a valuable tool. It not only helps establish credit but also offers educational resources to foster financial literacy.

Homeowners or aspiring homebuyers can benefit from a Wells Fargo credit card by improving their credit score and potentially securing favorable mortgage terms. It’s a step toward making homeownership dreams a reality.

Now, for the final verdict: Yes, it’s worth it! The Wells Fargo credit card offers a wide array of benefits, from rewards to travel perks, tailored to various lifestyles. However, it’s crucial to choose the card that aligns with your specific needs and to use it responsibly.

So, if you’re ready to take the plunge and start enjoying the advantages of a Wells Fargo credit card, don’t hesitate any longer.

Apply for the Wells Fargo Card on the Official Website Now!

It’s time to turn your decision into action. Click the button below to be directed to the official Wells Fargo website, where you can initiate the application process for your Wells Fargo credit card. Remember the valuable advice we provided earlier, have your documentation ready, and select the card that best suits your financial aspirations.

Whether you’re chasing travel rewards, cashback, or credit building, the Wells Fargo credit card is your ticket to a world of financial possibilities. Don’t miss out – apply today and take the first step toward unlocking the benefits of your Wells Fargo credit card!

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