Your Wells Fargo Reflect approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Wells Fargo Reflect Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.

What You Need for Good Wells Fargo Reflect Card Approval Odds

• Good credit or better
• Enough income to pay credit card bills
• Low debt relative to income
• Low housing costs relative to income
• U.S. mailing address
• Age of 18+
• Social Security Number or Individual Taxpayer Identification Number

Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income but no debts and still get approved.

To get a better sense of your approval odds before applying for the Wells Fargo Reflect, you can check to see if you're pre-qualified for any offers on the Wells Fargo website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won't affect your credit score.

If you want to enhance your application by improving your credit score, WalletHub's free credit analysis can tell you what steps to take.

Yes, you should get Wells Fargo's new credit card, the Wells Fargo Autograph℠ Card, if you have at least good credit and you're looking for a travel credit card. This card offers 30,000 points for spending $1,500 in the first 3 months (limited-time offer ending 1/10/2023), plus 1 - 3 points per $1 spent on purchases. 

Aside from its rewards, the card has a $0 annual fee and also offers an intro APR of 0% for 12 months from account opening on new purchases. The Wells Fargo Autograph Card packs plenty of other benefits like cell phone protection, roadside dispatch, zero liability protection, and more.

Here are some details on the Wells Fargo's new credit card:

• Card name: Wells Fargo Autograph Card.
• Initial bonus: 30,000 points for spending $1,500 in the first 3 months (limited-time offer ending 1/10/2023).
• Ongoing rewards:3 points per $1 spent on restaurant, travel, gas, transit, streaming services and phone plans, as well as 1 point per $1 spent on other purchases.
• Credit required: Good credit.
• Annual fee: $0.
• Introductory APR: 0% for 12 months from account opening on new purchases. 
• Regular APR: 18.74% - 28.74% Variable.
• Benefits: Roadside dispatch, cell phone protection, emergency cash disbursement & card replacement, zero liability protection, and more.
• Foreign transaction fee: $0.

Wells Fargo's new credit card, the Wells Fargo Autograph Card card, is a decent option if you're looking for a travel-oriented card. But if you are not tied to wells Fargo as an issuer, you should also check out other travel credit cards available right now to weigh your options. 

Yes, the Wells Fargo Active Cash® Card is a credit card. The Wells Fargo Active Cash Card has an annual fee of $0, works wherever Visa is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.

Key Facts About the Wells Fargo Active Cash Card

• Issuer: Wells Fargo
• Network: Visa
• Credit requirement: Good credit
• Annual fee: $0
• APR: 18.74% - 28.74% Variable
• Foreign transaction fee: 3%
• Rewards: 2% cash rewards

To sum things up, Wells Fargo Active Cash Card is a credit card, but it may or may not be the best credit card for you depending on your needs, qualifications and spending habits. You can learn more about this card from WalletHub's full review.

The Wells Fargo Reflect card does not have pre-approval, as Wells Fargo only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. People interested in applying for the Wells Fargo Reflect card can check if they've been preselected online.

You can also use WalletHub's CardAdvisor tool and learn how easy it is to find the right credit card for you. Just answer a few general questions, and based on your responses, CardAdvisor will provide you with some recommended credit card offers.

Yes, the Wells Fargo Reflect® Card is a credit card. The Wells Fargo Reflect Card has an annual fee of $0, works wherever Visa is accepted, reports to the credit bureaus, and allows you to pay off purchases over time. There are quite a few important things to know about the card before you apply, though.

Key Facts About the Wells Fargo Reflect Card

• Issuer: Wells Fargo
• Network: Visa
• Credit requirement: Good
• Annual fee: $0
• APR: 16.74% - 28.74% Variable
• Foreign transaction fee: 3%

To sum things up, Wells Fargo Reflect Card is a credit card, but it may or may not be the best credit card for you depending on your needs, qualifications and spending habits.  

The best Wells Fargo Active Cash® Card promotion is a $200 initial bonus. To get this Wells Fargo Active Cash promotion, cardholders must make $1,000 in purchases within 3 months of opening an account. There are a few other notable Wells Fargo Active Cash promotions to take advantage of as well.

Wells Fargo Active Cash Promotions for December 2022

• A $200 initial bonus
• An introductory APR of 0% for 15 months from account opening on purchases (18.74% - 28.74% Variable regular APR after that)
• An introductory APR of 0% for 15 months from account opening on qualifying balance transfers

Credit card promotions change often, so if you see something you're particularly interested in, you should consider applying for the Wells Fargo Active Cash to take advantage of the offer while it's available. Another factor in your decision to apply should also be whether this card will continue to be worthwhile even after its limited-time promotions end.

The Wells Fargo Reflect® Card does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and the Wells Fargo Reflect is not among the cards offering it.

Adding an authorized user to your Wells Fargo Reflect Card still has benefits, though. Most importantly, the authorized user is able to build credit.

The Wells Fargo Reflect® Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Wells Fargo Reflect Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Wells Fargo Reflect Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it's best to wait to apply until you meet the Wells Fargo Reflect credit score requirement. You can check your credit score for free on WalletHub.

You can make a Wells Fargo Reflect® Card payment online, by phone, through the Wells Fargo mobile app, by mail or at a branch. To pay a Wells Fargo Reflect bill online, log in to your online account and click on “Pay Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Wells Fargo does allow cardholders to set up automatic payments, too.

Ways to Make a Wells Fargo Reflect Payment

• By phone: Call 1-800-869-3557 and enter your card information when prompted.
• Online: Log in to your online account and click on “Pay Bills.”
• Through the mobile app: Log in to your account and select your card, then tap “Pay Bills.”

• By mail: Send a check or money order (but not cash) to

  Wells Fargo Card Services

  P.O. Box 51193

  Los Angeles,

  CA 90051-5493.

  Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.

• At a branch: You can make a payment at any Wells Fargo branch during normal business hours.

Yes, the Wells Fargo Reflect Card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Wells Fargo Reflect statement balance in full every month, Wells Fargo will not charge any interest.

Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining Wells Fargo Reflect balance and any new purchases will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.

It's also important to note that grace periods do not apply to cash advances or balance transfers.