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There are several cards out there with 0% intro APR offers, but the Wells Fargo Reflect® Card offers one of the longest we've seen. Its intro rate also applies to both purchases and qualifying balance transfers, so there are multiple ways it can save you money. Read our in-depth Wells Fargo Reflect® Card review to learn all about its pros, its cons, and to figure out if it's right for you.
Good/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
Rewards
N/A
Annual Fee N/A
$0
This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. The balance transfer fee (5%, min: $5) is higher than some cards — but if you want an equally long intro APR on purchases, then this card is hard to beat.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
---|---|---|---|---|---|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 bonus points Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
This credit card is a good fit for: Cardholders who want to finance purchases or refinance credit card debt at a 0% intro APR.
With this Wells Fargo card, it's all about the low introductory APR. It's not feature-packed, but it's arguably the best option for paying off purchases and balance transfers over time.
If you need to avoid interest charges for as long as possible, look no further. The Wells Fargo Reflect® Card has a 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening. That's nearly two years where you won't be paying credit card interest.
Balance transfers made within the first 120 days qualify for the intro rate. After the intro period ends, the go-to 18.24%, 24.74%, or 29.99% Variable APR applies on your card's balance going forward.
This is the longest 0% intro APR I've seen. Since it applies to purchases and balance transfers, there are all kinds of ways to use it. You could:
Considering how much smartphones cost, and the many hazards they seem to face, it's a good idea to have yours insured. They may seem affordable when you're paying them off across 24 monthly payments. When you lose one and need to pay MSRP for a new iPhone, that's when you realize it costs about as much as a rent payment.
If you have this card and use it to pay your monthly cellphone bill, you won't need to shell out extra for insurance. It has complimentary cellphone protection of up to $600, with a $25 deductible. This covers damage, theft, and involuntary or accidental parting (when you know where your phone is, but it's impractical to recover it).
Like a lot of 0% APR credit cards, this is a top-heavy card. It can help you save on costly interest charges during its intro period, but that's about it.
The biggest drawback with this card is that it doesn't offer any sort of rewards program. That means:
To be fair, this card has special offers through My Wells Fargo Deals, where you can earn cash back statement credits on shopping, dining, and experiences you pay for with your eligible Wells Fargo card. But earning some statement credits here and there isn't nearly as valuable as earning cash rewards on all your everyday purchases.
Because of the lack of rewards, this card doesn't have much long-term value. Once the 0% intro APR ends, there's no incentive to continue using it. You're better off switching to a rewards credit card at that point.
It's worth noting that there are 0% APR credit cards that also have rewards programs. They just have shorter 0% APR intro periods. If you don't need the entire 21 months from account opening this Wells Fargo card offers, then it could make more sense to pick a card with a shorter intro period that earns rewards.
The Wells Fargo Reflect® Card is a great balance transfer card because of its 0% intro APR. But it also has a 5%, min: $5 balance transfer fee.
Balance transfer cards normally have a fee like this, but some of them only charge 3%. It may not seem like much, but if you're transferring $5,000, that 2% difference would cost you an extra $100.
There's also a foreign transaction fee of 3%, another reason why this isn't the best card for long-term use. If you ever travel outside the United States, it's important to have a card you can use without any extra fees, like a travel credit card.
A FICO® Score of 670 or higher, which is considered good credit, is suggested to apply for the Wells Fargo Reflect® Card. With the quality benefits the card offers, it's aimed at consumers who have built a solid credit history.
It's always worth noting that credit card applications depend on a range of factors. These include your credit score, your income, and other parts of your financial profile. Although your credit score is very important, that alone doesn't guarantee your application will be approved or denied.
You have big expenses coming up that you need to pay over time or you have credit card debt to refinance.
For saving money on interest charges, the Wells Fargo Reflect® Card is a winner. Its main notable drawback is the lack of rewards, so you might want to check out other credit card reviews if that's important to you. But if your priority is a 0% intro APR, that's where this Wells Fargo card outshines the competition.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
It's not hard to get approved for the Wells Fargo Reflect® Card, but it depends on your credit score and your financial profile. A credit score of 670 or higher is recommended when applying to make it more likely that you qualify for the card.
The credit limit for the Wells Fargo Reflect® Card can range from $1,000 to over $10,000. Wells Fargo sets your credit limit when it approves you for the card based on your creditworthiness, income, and other financial information.
No, the Wells Fargo Reflect® Card doesn't have an annual fee.
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