Applying for the Wells Fargo Reflect® Visa is a straightforward process that can be completed entirely online. Because this card offers one of the longest 0% intro APR periods available, it is a popular choice for debt consolidation and financing large purchases.
Follow these steps to submit your application and maximize your chances of approval.
Step 1: Check Your Credit Score
The Wells Fargo Reflect® generally requires Good to Excellent credit (typically a FICO® Score of 670 or higher). Before applying, it is recommended to review your credit report to ensure there are no errors that could impact your eligibility.
Step 2: Gather Required Information
To complete the online application, you will need to provide the following personal and financial details:
- Personal Information: Full name, Social Security Number (SSN) or ITIN, date of birth, and permanent U.S. address.
- Contact Details: Email address and phone number.
- Financial Information: Total annual income and monthly housing payment (rent or mortgage).
- Employment Status: Current employer and occupation.
Step 3: Complete the Online Application
- Visit the Official Site: Go to the Wells Fargo credit cards page and locate the Reflect® Visa.
- Click “Apply Now”: You will be redirected to a secure application form.
- Enter Your Data: Fill in the required fields accurately. If you are already a Wells Fargo customer, you can sign in to your account to pre-fill much of this information.
- Review Terms and Conditions: Pay close attention to the Schumer Box (the table showing APRs and fees) to understand the duration of your 0% intro period and any balance transfer fees.
Step 4: Submit and Wait for a Decision
Once you click Submit, Wells Fargo will perform a “hard pull” on your credit report.
- Instant Approval: Many applicants receive a decision within seconds.
- Pending Review: If your application isn’t approved instantly, don’t worry—Wells Fargo may need to manually verify your information. This usually takes 7–10 business days.