Debt can sometimes be very difficult to manage, especially if you have multiple ones. If you're suffering from multiple debts, there is one way to consolidate everything to make it easier to pay.

There are credit cards like the Wells Fargo credit card called the Wells Fargo Reflect Card that can help you with your debt while offering a very long period of zero interest.

If you're interested in learning more about this specific Wells Fargo credit card, check out the guide below to learn how to apply online.

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Wells Fargo Reflect Card Details You Should Know

The Wells Fargo Reflect Card is a very simple credit card that knows what its cardholders need. 

Learn How to Apply for Wells Fargo Credit Card Online
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It serves as a way for cardholders who are looking to pay their debt but need a lot of time to do so. 

With the help of this superb balance transfer credit card, they can achieve such a goal. 

But what does the Wells Fargo Reflect Card offer other than debt consolidation? Check out the details below.


Perks and Benefits

One of the biggest perks that you'll have with the Wells Fargo Reflect Card is the longest 0% intro APR on purchases and balance transfers. 

Whenever you use the card for purchase, you get zero interest for 21 months. This is also applicable for balance transfers, which also have the same duration. 

This means you can consolidate all of your debt into this card and transfer all of your balance so you can have more room to breathe while paying your debt.


Zero Annual Fee

Another great feature that the Wells Fargo Reflect Card offers is it has zero annual fee

You often use many other credit cards, and they charge you with an annual maintenance fee. 

This specific Wells Fargo credit card does not offer any. This way, you can keep the card with you for as long as possible, which can help you with improving your credit score.

Mobile Phone Protection

For anyone who is looking to purchase a new mobile phone, the Wells Fargo Reflect Card has mobile phone protection

This means that if you purchase a new phone or pay for your mobile phone bill using the card, you will receive coverage of up to $600 up to two times every year from theft and damage. 

This is highly important if you want to fully enjoy your mobile phone for a long time.

Interest Rates and Other Charges

The Wells Fargo Reflect Card allows you to enjoy 21 months of zero interest, but after that period, it will revert to your original variable APR of 18.24% to 29.99% for both purchases and balance transfers. 

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You also get a 3% foreign transaction fee

The balance transfer fee is subjected to a different rate depending on the amount of your balance transfer, starting at $5 or 5%, whichever is greater.

Important Contact Information

If you have questions regarding the credit card and want more information, you can contact them at their customer service hotline through the number 1-800-869-3557

A customer service representative will be able to assist you with all of your concerns. 

You can visit any nearby Wells Fargo branch or their main office at 420 Montgomery Street, San Francisco, CA 94104.

Who is the Wells Fargo Reflect Card For?

You might be wondering if there are other better credit cards for you. The Wells Fargo Reflect Card is not just an ordinary credit card for purchases. 

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It has a specific function that can help people, especially those with multiple debts from loans. The Wells Fargo Reflect Card offers a long period of zero interest on balance transfers. 

This gives you enough time to consolidate and use the credit card to help you pay off your debt in time for the interest-free period to end. 

Apart from that, it is a solid credit card that you can use for many other purposes.

Is It Worth Having the Wells Fargo Reflect Card?

The Wells Fargo Reflect Card is meant for balance transfers and purchases. Once you have paid off your debt and the interest-free period is over, it continues to provide you with the usual function of a credit card. 

The lack of a rewards program might turn some people off, but the credit card's main function should be a priority for you. 

If you're looking for a good credit card, the Wells Fargo Reflect Card is most suitable for you.

Applying for the Wells Fargo Reflect Card Online

If you're interested in applying for the Wells Fargo Reflect Card online, there are some steps that you need to follow. 

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You don't need to worry, as the entire application process is very simple and easy to follow. 

Check it out below.

Preparing the Requirements

Before anything else, you should research to see the kind of documents that the issuer requires for opening an account. 

These documents include proof of income, proof of residency, and many other documents. 

Prepare them as early as now so you can proceed to the application as smoothly as possible.

Check the Official Website

Once you're done preparing the documents, head over to the official Wells Fargo website

You should be able to see the different kinds of products and services that they offer. 

Research and compare different credit cards to see which one is suitable for you. If you have chosen the Reflect Card, proceed by clicking on Learn More.

Applying Online

This should lead you to the official page of the card. Read through all of the features and benefits, then click on Apply. 

It will open a new tab where you can fill out an online application form and upload your documents. 

Enter your details carefully, and make sure to review the terms and conditions before you submit.

Waiting for Approval and Activating Your Card

There are times after you submit that the website will provide you with immediate approval

It usually takes around several business days before they contact you again for the decision. 

Once approved, the card will be sent to you by mail and you will need to activate it for you to use the card.


With so many credit cards to choose from, it can be difficult to know what their purpose is. There are a lot of credit cards that have a specific function, and the Wells Fargo Reflect Card often serves to help you with your debt and balance transfers. Go ahead and check it out today, then apply online!

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.