Rated 4/5 stars by our editorial team
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3.9/5.0 from 12 Offer Ratings
Over the Past 60 Days!
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Rated 4/5 stars by our editorial team
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Your Rating:
3.9/5.0 from 12 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
17.24% - 29.24% variable APR
Intro Purchase APR
0% intro APR up to 21 months from account opening
Intro BT APR
0% intro APR up to 21 months from account opening on qualifying balance transfers
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
Foreign Transaction Fee
3%
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%; min: $5
Cash Advance Fee
Refer to Important Credit Terms
$0 Fraud Liability
Yes
Auto Rental Insurance
No
Extended Warranty Program
No
Roadside Assistance
Yes
Purchase Protection
Yes
Travel Assistance
No
Flight Accident Insurance
No
Lost Luggage Reimbursement
No
Concierge Service
No
Regular APR
4.0
Intro APR
5.0
Fees
4.5
Benefits
3.0
Overall Rating
4.0 /5
The Wells Fargo Reflect® Card is an immediate eye-catcher with its headline feature: up to 21 months of 0% intro APR on both purchases and balance transfers all wrapped up in a $0-annual fee package. At first blush that’s an incredible offering: almost 2 years of no interest payments if you’ve got a big purchase on the horizon or if you’re transferring a balance from a high-interest credit card places this card squarely at the top of the 0% intro APR heap.
That debt-busting power comes with a few caveats however, namely that you’ll have to earn it. For both purchases and qualifying balance transfers, the 0% intro APR period starts at 18 months with an ongoing 17.24% - 29.24% variable APR after that introductory period is up. If you consistently make all your minimum monthly payments on the card on time, Wells can grant you an additional 3 months, getting you up to that 21-month sweet spot.
While that may sound like it puts a big asterisk next to this card’s name on our list, it’s actually a feature we really love. Unlike a lot of other upmarket cards, the Wells Fargo Reflect® Card rewards you for the thing you should already be doing – paying your minimum monthly credit card payments on time. Couple that with the aforementioned $0 annual fee and the usual suite of Wells Fargo card benefits (like access to the My Wells Fargo Deals program to earn cash back in the form of a statement credit on your everyday purchases) and you have a card that’s an incredibly potent tool to help you get out of credit card debt.
If you need as much breathing room as possible to get out of debt, the Wells Fargo Reflect® Card is perfect for you. Not only are you getting an industry-leading low interest card, but you’re also incentivized to build good credit habits.
The Wells Fargo Reflect® Card has the potential to get you up to 21 months of 0% intro APR on purchases and qualifying balance transfers – that’s about as good as you’re going to find out on the market today.
Cardholders will have to maintain consistent on-time payments to get the full benefit from this card. And beyond the (admittedly exceptional) 0% intro APR programs, this card doesn’t have a whole lot else on offer, like a top-shelf rewards program or welcome offer.
Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Wells Fargo.
Regular APR
4.0
Intro APR
5.0
Fees
4.5
Benefits
3.0
Overall Rating
4.0 /5
3.9 out of 5.0
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Featured
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Featured
Rated 4/5 stars by our editorial team
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Your Rating:
3.8/5.0 from 33 Offer Ratings
Over the Past 60 Days!
Welcome Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Active Cash® Card
on Wells Fargo's secure site
Rated /5 stars by our editorial team
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Your Rating:
0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
Welcome Offer
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Rewards Rate
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases
Intro Purchase APR
0% intro APR for 12 months from account opening on purchases, then 19.24%, 24.24%, or 29.24% variable APR
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Wells Fargo Autograph℠ Card
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Credit Card Balance Transfer Calculator:
ASSUMPTIONS:
The Credit Card Balance Transfer Calculator assumes the full balance of the credit card will be transferred to a 0% APR credit card and regular payments will be applied. The calculator also assumes a $0 balance transfer fee for certain cards that have a promotional introductory balance transfer fee. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. The actual savings does not take into account any fees or other charges by the card issuer. Please read all terms and conditions of the credit card offer carefully before making a decision. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only.
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Between 660 - 719
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Between 550 - 659
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Between 300 - 599
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