Wells Fargo
Wells Fargo Reflect Card Review
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Consolidating debt or financing a purchase over one of the longest 0% windows available
Updated for 2026
Overview
The Wells Fargo Reflect Card offers one of the longest 0% intro APR windows available — 21 months on both purchases and balance transfers — with no annual fee. It earns no rewards, so it is best used to pay down debt or finance a large purchase interest-free.
| Annual fee | $0 |
|---|---|
| Regular APR | 17.49%, 23.99%, or 28.24% variable (three tiers based on creditworthiness) |
| Welcome bonus | None |
| Rewards | None — this card does not earn rewards |
| Recommended credit | Good to Excellent |
Pros & cons
Pros
- One of the longest 0% intro APR windows available at 21 months on both purchases and balance transfers
- No annual fee
- Up to $600 cell phone protection (subject to a deductible) when you pay your phone bill with the card
Cons
- No rewards program and no welcome bonus
- 5% balance transfer fee (min $5) offsets some of the intro-APR savings
Compare with similar cards
Not sure this is the one? Weigh it against other balance transfer options.
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.