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3.9/5.0 from 23 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
13.74%-25.74% 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
Foreign Transaction Fee
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
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
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 13.74%-25.74% 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 earncash 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.
3.9 out of 5.0