Wells Fargo Reflect® Card application: how does it work?

Want to apply for the Wells Fargo Reflect® Card? Great! Read this post and learn everything you need about this card's application process! We've made it simple! Let's go!


by Suzana Brito

12/14/2022 | Updated on 02/13/2023

Wells Fargo Reflect® Card: Follow these steps to a perfect application!

If you need a guide to The Wells Fargo Reflect® Card application, start here. Featuring no annual fees and a 0% intro APR offer, this card can be handy for you.


Credit Card

Wells Fargo Reflect®

Online Banking Visa Benefits

No annual fee and 0% intro APR for up to 21 months.

You will be redirected to another website

In this guide, we will show you how to apply for this card, taking you through each step so that you can get started. Are you ready? Then let’s get started!

Apply online

Wells Fargo logo
Learn how to apply for the Wells Fargo Reflect® Card. Source: Wells Fargo

Before applying for the Wells Fargo Reflect® Card, it’s important to ensure your financial information is in order: Your current income, monthly expenses, and any existing debt.

It’s also a good idea to check your credit score before applying, as this will indicate whether you are likely to be approved.

Once your financial information is ready, head to the Wells Fargo website and select the “Apply Now” button.

It will then take you to a page where you can fill out the application form with your personal and financial information.

Make sure everything is filled out correctly—mistakes could delay or disqualify your application from being approved. After submitting your application, all that’s left is waiting for approval.


Apply using the app

There aren’t any options to apply for this card using their app. You must visit the website to complete your application.

However, the mobile app allows you to manage your credit card, make payments, and more! So it can be an excellent tool for those looking for convenience.


Wells Fargo Reflect® Card vs. Chase Freedom Unlimited®

Happy young woman sitting on the floor using laptop on gray background
Compare two cards before making a decision. Source: FreePik

These credit cards are great deals to pay off your debts. The Wells Fargo Reflect® Card is a basic card without rewards, but a very long 0% APR period, up to 21 months.

On the other hand, if you want a credit card with more than low APR, the Chase Freedom Unlimited® comes with no annual, up to 5% cash back, and has an intro APR period of 15 months. See the offers at a glance:

Wells Fargo Reflect® Card

  • Credit Score: Good – Excellent;
  • Annual Fee: $0 annual fee;
  • Regular APR: 0% intro APR for 18 months on purchases and eligible qualifying balance transfers. Plus, three months of intro APR extension with a one-time minimum payment in the intro period. Then, 17.24% to 29.24% variable APR; 
  • Welcome bonus: N/A;
  • Rewards: N/A;
  • Terms apply.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Chase Freedom Unlimited®

  • Credit Score: 690 or higher; 
  • Annual Fee: $0;
  • Regular APR: 0% intro APR for 15 months on purchases and balance transfers. After a variable APR of 18.74%–27.49% (terms apply);
  • Welcome bonus: Earn a $200 bonus after spending $500 on purchases in the first three months. Plus, 5% cash back on grocery store purchases (Target® and Walmart® not included) after spending up to $12,000 in the first year of account opening; 
  • Rewards: Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants and drugstore purchases, and 1.5% on all other purchases. 

In our post below, discover the easy steps to apply for Chase Freedom Unlimited®, an unbeatable credit card offering maximum rewards. Check it out!

Chase Bank logo

Application for the Chase Freedom Flex℠

One of the best benefits of a card is a good cash back rate. Learn how to apply for Chase Freedom Flex℠ and get a great rewards card!

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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