The Wells Fargo Reflect Card offers one of the longest 0% intro APRs on both balance transfers and purchases, making it ideal for paying off debt or an upcoming large purchase.
- 0% Intro APR: Up to 18 months on qualifying balance transfers and 18 months on purchases, then the regular APR applies (currently 15.24% - 27.24%)
- Wells Fargo Deals: Earn cash back statement credits from select merchants.
- Benefits: Cell phone protection, 24/7 roadside assistance, and zero liability protection
- Annual Fee: $0
Pros & Cons
- Excellent 0% APR on purchases and balance transfers
- No annual fee
- Cell phone protection
- 24/7 roadside assistance
- No signup bonus
- Limited rewards
Who the card is best for
The Wells Fargo Reflect Card is best for those looking for a 0% intro rate on balance transfers, purchases or both.
The card is not ideal for those wanting to earn rewards or those needing to transfer credit card debt from another Wells Fargo credit card. For rewards, check out our cash back, travel and signup bonus cards. For those with Wells Fargo credit card debt, check out balance transfer card alternatives.