You need to meet some requirements set by the bank to get the Wells Fargo Reflect® Card. A good credit score above 700 is recommended for new applicants. A stable annual income will also help you when you apply. Other key factors include being 18 or older, having a low debt to income ratio, a low housing cost to income ratio, a valid SSN or ITIN and a U.S. mailing address.

You can only pre-qualify for the Wells Fargo Reflect® Card if you are already a customer of Wells Fargo. If you are not banking with them, applying for this credit card will do a hard check on your credit score. A hard inquiry can make your rating go down a few points for a short time.

You can request a balance transfer when you apply for the card if you are a new applicant. You need to fill out a special field for new BTs, and check it carefully before you send your request. It can take up to 10 business days to finish new BTs, so you should keep making payments until it’s done.

You can apply for the card online, without going to a Wells Fargo bank branch. But if you prefer to go to a branch and talk to someone, you can find the nearest one on the Wells Fargo website. Just click on the “Locations” link at the top of the page and enter your city and state or ZIP code. You will see a list of Wells Fargo branches near you. You can also contact the closest branch to make an appointment with Wells Fargo.