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 travel frequently. This card offers 20,000 points for spending $1,000 in the first 3 months, plus 1 - 3 points per $1 spent on purchases.

Things to know about the Wells Fargo's newest credit card:

• Card name: Wells Fargo Autograph℠ Card
• Initial bonus: 20,000 points for spending $1,000 in the first 3 months
• 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.
• Minimum credit required: Good credit
• Annual fee: $0
• Introductory APR: 0% for 12 months from account opening on new purchases.
• Regular APR: 20.24% - 29.99% Variable
• Benefits: Roadside dispatch,...

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...

The easiest way to apply for the Wells Fargo Reflect card is online. Alternatively, you can apply at a branch or by using the return envelope enclosed in a mailed offer. Unfortunately, you won't be able to apply for the Wells Fargo Reflect card over the phone.

Keep in mind that you need at least good credit to get approved for the Wells Fargo Reflect card. If you don't know where you stand, you can check your credit score for free, right here, on WalletHub.

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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...

To get a Wells Fargo Reflect cash advance:

1. Call Wells Fargo customer service at (800) 642-4720 and request a PIN, if you don't already have one.
2. Insert the credit card at an ATM and enter the PIN.
3. Select the cash advance option on the ATM screen.
4. Enter the amount you'd like to withdraw.
5. Withdraw the cash and remove the credit card from the ATM.

Before you take out a Wells Fargo Reflect...

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.

Bad advice. 722 score, applied today, $335k w-2 income, 5 year executive employment and a hard TD. 23% current usage on $68k of avail credit limits. Wells is always Impossible to figure out

No, the Wells Fargo Reflect® Card is not a good first-time credit card because it is only available to people with good credit or better. People who've never owned a credit card are unlikely to get approved unless they've built good credit through other means. There are plenty of good first-time credit cards on the market, though.

Best First-Time Credit Cards

You can learn more about the best first-time credit cards 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

• Online:...