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Read moreWells Fargo Reflect® Card review
A no-annual-fee card built for one job: 21 months at 0% intro APR on purchases and qualifying balance transfers. Here is how it compares.
Money Mindly is independent. We may earn a commission when you apply through our links, but that doesn't affect our analysis. Rates and terms come from the issuer's site and can change.
The bottom line
Rates and fees
- Regular APR: 17.74%, 24.24% or 28.49% variable, based on your credit
- Intro APR: 0% for 21 months on purchases and qualifying balance transfers
- Balance transfers must be made within 120 days of opening; a fee applies
- No grace period on balance transfers once the intro rate ends
- Foreign transaction fee: 3%
- Annual fee: $0
- See the official terms from Wells Fargo
More details
- Up to $600 cell phone protection when you pay your bill with the card, $25 deductible
- Roadside Dispatch available 24/7
- My Wells Fargo Deals for account credits at participating merchants
- Free FICO score tracking with Credit Close-Up
Pros and cons
Pros
Longest 0% intro APR in this comparison: 21 months
Covers purchases and balance transfers
No annual fee
Cell phone protection included
Cons
No rewards program
Balance transfer fee applies
3% foreign transaction fee
Detailed review
Reflect gives 0% intro APR for 21 months from account opening on purchases and on balance transfers made within the first 120 days. After that, a variable APR applies based on your credit.
There is no cash back or points program. The value comes from the time without interest, which can save a lot if you are paying down debt from a higher-rate card.
» MORE: Apply on the official Wells Fargo site
The basics
Card network: Visa
Rewards: none
Intro APR: 0% for 21 months
Balance transfer window: 120 days
Annual fee: $0
How it compares
Wells Fargo Reflect® Card
Discover it® Cash Back
Chase Freedom Unlimited®Rates and terms from each issuer's official site on 09/23/2026. Regular APRs are variable.
Is this card right for you?
Choose Reflect if your main goal is to avoid interest on a balance or a big purchase for as long as possible.
If you pay in full every month, a cash back card will give you more value.
Want rewards along with a 0% period? Discover it Cash Back gives 15 months at 0% and earns cash back.
How to apply