Wells Fargo Reflect Card: Nearly 2 Years Interest-Free -- Here's How

Published on May 6, 2025

Joel O'Leary

By: Joel O'Leary

Full Time Writer

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KEY POINTS

  • The Wells Fargo Reflect® Card offers 0% intro APR for up to 21 months from account opening.
  • It's a perfect tool for tackling large purchases or paying off debt faster.
  • Understand how the intro APR period works and your potential savings.

I'm a huge believer in 0% intro APR balance transfer cards.

A good friend of mine once used one to crush about $30,000 in credit card debt. In less than two years, thanks to a long 0% APR period, he became debt free and saved about $8,700 in interest. It completely changed his financial future.

And that's the kind of opportunity you could have with the Wells Fargo Reflect® Card (see rates and fees) right now.

Here are all the deets.

Ratings Methodology
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Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Reflect® Card
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 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

17.24%, 23.74%, or 28.99% Variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • 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 intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.

    Read Full Review
    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Balance transfer fee
    • Foreign transaction fee
    • No rewards program
    • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
    • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
    • $0 annual fee.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

0% intro APR for 21 months from account opening

The Wells Fargo Reflect® Card is built for one main purpose: to give people breathing room.

Right now you can get a 0% intro APR for up to 21 months from account opening on both balance transfers and new purchases.

For balance transfers, you'll need to make the transfer within 120 days after account opening. And beware there's a balance transfer fee of 5%, min: $5. I'll explain below how this can totally be worth it by saving on interest.

Savings on a $10,000 balance transfer

Here's an example of how powerful balance transfer cards are.

Let's say right now you're carrying a $10,000 credit card balance which charges 27% APR. (That's about $224 per month going to interest alone, without even making a dent in the actual balance!)

You decide to apply for the Wells Fargo Reflect® Card, and transfer the full $10,000 balance to the new card after approval. A $500 balance transfer fee (5% of the amount) will be added to your total balance.

After that, you'll have up to 21 months from account opening of 0% intro APR on your transferred balance. This means during that window, every single dollar you pay goes directly to the principal, helping you wipe out your debt faster.

If you spread your balance (and transfer fee) evenly across the intro period, it works out to around $500 per month. Sticking to this payment schedule, you'll save about $2,934 in interest compared to leaving the balance on your original card.

That's $2,934 kept in your pocket. Game changer, right!?

Ready to hit "pause" on your interest charges? Apply for the Wells Fargo Reflect® Card today.

Other cool features

The Wells Fargo Reflect® Card isn't just about balance transfers -- it's got a few extra perks you'll like.

  • 0% intro APR on new purchases: New purchases also qualify for the 0% intro APR. So while you're paying down old debt, you won't rack up new interest charges.
  • Cellphone protection: Pay your monthly phone bill with the card and get up to $600 in protection against theft or damage (with a $25 deductible).
  • $0 annual fee: You can keep this card open for years and not pay annual fees.

So, what are you waiting for?

If you're serious about crushing debt or giving yourself some financial breathing room, the Wells Fargo Reflect® Card is ready to help.

It's time to roll up your sleeves. Apply for the Wells Fargo Reflect® Card today and hit pause on your interest payments.

Our Research Expert

Joel O'Leary
Joel O'Leary icon-button-linkedin-2x

Joel is a full-time writer at Motley Fool Money, known for his clear, approachable voice on topics like credit cards, savings hacks, and side hustles. He’s been writing about money since 2018 and previously managed editorial content for the How To Money podcast.