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Wells Fargo Reflect® Card

One Of The Longest Intro 0% Interest Periods Available

Sept. 30, 2023
The Ascent is 100% free thanks to commissions we receive from our partners, but this never influences our opinions.

Our experts awarded Best 0% Intro APR Credit Card and Best Balance Transfer Credit Card to the Wells Fargo Reflect® Card in 2022. (See rates and fees.) And it's not hard to figure out why.

The Wells Fargo Reflect® Card offers one of the longest 0% intro APR periods for purchases and balance transfers that we've seen. New cardholders get 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening, and then the go-to rate of 18.24%, 24.74%, 29.99% variable APR.

You'll effectively get a nearly two-year break on interest, which can help you pay off credit card debt faster and avoid interest on new purchases.

On top of the lengthy 0% intro APR period, this card offers a balance transfer fee of 5% or $5 (whichever is greater) for transfers requested in the first 120 days of account opening.

Bottom line:

  • 0% intro APR on purchases & qualifying balance transfers for 21 months from account opening -- one of the longest intro periods we’ve seen.
  • Cell phone protection against damage or theft (a very underrated perk)
  • $0 annual fee

Simply put, you'd be hard pressed to beat this card if you're looking to temporarily avoid credit card interest.

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Logo for Wells Fargo Reflect® Card
Rating image, 0.25 out of 5 stars. 5.00/5 stars 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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Rating image, 0.25 out of 5 stars. 5.00/5 stars 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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= Excellent
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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)

Good/Excellent (670-850)

Apply Now for Wells Fargo Reflect® Card

Rates & Fees External Link Icon

2022 Award Winner

Winner of best 0% intro APR credit card and best balance transfer credit card!

Intro APR Circle with letter I in it. 0% intro APR, 21 months from account opening on 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%, 29.99% variable APR

Annual Fee

$0
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (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.
  • Select “Apply Now” to learn more about the product features, terms and conditions

What we like about Wells Fargo Reflect® Card

0% intro APR for 21 months (on both purchases and balance transfers) -- This is where the Wells Fargo Reflect® Card is hard to beat.

It's worth noting that the intro APR applies to balance transfers made within the first 120 days of opening the account. There is also a balance transfer fee of 5% ($5 minimum). Those fee amounts are standard among balance transfer credit cards.

No annual fee -- The Wells Fargo Reflect® Card cuts fees in the right places. Case in point, the card has no annual fee.

Cellphone protection -- When you pay your monthly cellphone bill with your eligible Wells Fargo credit card, you get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible). This is one of those underrated credit card perks. You don't need to pay for cellphone insurance out of pocket, since this card includes protection already.

Special offers -- Through My Wells Fargo Deals, you can earn cash back statement credits on shopping, dining, and experiences that you pay for with your eligible Wells Fargo card.

Pro Tip

To get the most value out of this card, it is best to make any balance transfers during the intro fee period so that you have a lower balance transfer fee to pay.

Suggested credit score

With the quality benefits the card offers, it's primarily aimed at consumers who have a credit score of 670 or better.

Final take

If your priority is a long 0% intro APR, the Wells Fargo Reflect® Card clearly outshines the competition. The 21-month 0% intro APR on purchases is a smart move if you have big expenses coming up or you need to spread out the cost of purchases over time, yet still avoid interest on them during the intro period (but remember to pay it off before you start accumulating interest).

And if you're looking to transfer a current balance, it's hard to find a better pick. Add it all up and it's easy to see why our experts rate this card a perfect 5 stars, and a top card in its category.

Click to Apply Now
There's a right way to swipe

Credit cards with rewards and 0% intro APR offers are excellent, but remember, they are a tool to help you get the most out of your spending. The Ascent motto to follow:

  1. Pay off your card in full each month.
  2. Choose a card whose features are a good fit for you.
  3. Don't spend more than you already would.

Follow this and you'll be making your money work overtime for you. Live richly, not risky.

TIP

Want to increase your credit score in as little as one month?

Paying down credit balances is the fastest way to improve your FICO® Score. That's because 30% of your credit score is based on how much of your available credit you're using. Your credit utilization is reported monthly, which means paying off debt could improve your credit score in one month!

Our experts also recommend:

Citi Simplicity® Card

Logo for Citi Simplicity® Card
Rating image, 0.2375 out of 5 stars. 4.75/5 stars 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.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 0.2375 out of 5 stars. 4.75/5 stars 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.
 = Best
= Excellent
= Good
= Fair
= Poor

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)

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

19.24% - 29.99% (Variable)

Annual Fee

$0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater, for balance transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock.