Learn How to Apply for a Wells Fargo Reflect Card
The Wells Fargo Select card features highly efficient service and various benefits such as protections and insurance!
What do I need to know before applying for a Wells Fargo Reflect Card?
The Wells Fargo Reflect Card features a 0% introductory APR for 21 months and no annual fee to attract new customers to the Visa signature card.
The Wells Fargo card boasts a series of accolades related to being the best 0% introductory rate and balance transfer card from institutions such as CNBC, U.S. News, and NerdWallet.
In this regard, although it may not offer as much cash back or mileage rewards, the Visa Reflect provides good financial management for everyday use.
To attract new customers, the card offers a 21-month introductory APR, including balance transfers made within the first 120 days after opening the account with Wells Fargo.
The card has no annual maintenance fee but charges 5% for balance transfers and up to 3% for each foreign currency conversion transaction.
Additionally, the APR after 21 months ranges from 18.24% to 29.99%, according to country regulations.
The Wells Fargo Reflect provides up to $600 in cell phone protection with a $25 deductible, along with 24/7 roadside dispatch.
Thus, it is an efficient card for daily use, meeting many of customers’ general needs. If you believe Reflect can help, keep reading.
Who can Apply?
Firstly, to apply for a credit card with Wells Fargo, you don’t need to have another account with the financial institution.
In fact, having recently applied for another credit card might even hinder the new application.
Nevertheless, Wells Fargo follows the standard market practices for selecting its customers.
Thus, basic requirements include being over 18 years old and being a citizen born or properly registered in the US with a valid work visa.
Additionally, the customer needs to have a FICO credit score higher than 670, along with a verifiable monthly income that will greatly influence the card limit determination.
Beyond that, there are no other major requirements to apply for the Wells Fargo credit card.
How do I Apply for the Wells Fargo Reflect Card?
Existing Wells Fargo service users can log in to the application and save time.
However, for new customers, it’s necessary to select the ‘Apply Now’ button to access the application form.
The customer needs to provide personal and contact information such as their full name, social security number, date of birth, complete address, email, citizenship, and mobile number.
In the same form, they’ll also need to provide housing status (own, rent, or other) and employment status (employed, self-employed, not employed, or retired).
Additionally, they’ll need to provide their total annual income and a security question.
During the process, the customer may be required to submit documents such as proof of residence, a copy of their ID, and bank statements.
After submitting the form, the bank will analyze the customer’s information to issue a response and send the card if approved.
More Details
The Cell Phone Protection benefit reimburses the cost of repair or replacement of the cellphone in case of damage, theft, or involuntary separation.
Coverage is activated by paying the monthly bill for the wireless network with the covered card.
The maximum value per claim is $600, subject to a deductible of $25.
The Rental Car Coverage reimburses repair expenses for accidents or theft of the rented car, provided that the rental was paid with the covered card and the collision insurance from the rental company was declined.
The maximum coverage amount is $50,000, and the coverage period is up to 15 days in the US and 31 days outside the US, depending on the conditions.
Want to learn about another option?
The U.S. Bank Cash+ Visa Signature Card offers flexible cash rewards for cardholders, allowing them to choose their preferred spending categories to earn cashback bonuses.
With a customizable rewards system, customers can make the most of their daily expenses. Additionally, the card offers benefits such as rental car insurance and protection against theft or damage to cellphones.
