Reflect®: 0% Intro APR for 21 Months on Purchases and Balance Transfers
Enjoy 0% intro APR for 21 months on purchases and balance transfers, with no annual fee, helping you manage large expenses or pay down balances.
The Bottom Line
2.8
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Wells Fargo Reflect® Card stands out for its long 0% intro APR period of 21 months on purchases and qualifying balance transfers, making it one of the strongest options for avoiding interest while paying down large expenses or consolidating debt, all with no annual fee. Its biggest drawback is the lack of rewards or meaningful perks, so it does not provide ongoing value once the intro period ends. This card works best for people focused on financing and saving on interest, especially those with a clear plan to pay off balances within the promotional window. It is not a good fit for everyday spending or long-term use, as it does not earn cash back, points, or travel rewards, so rewards-focused users should consider other options.
Reflect®
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Annual fee:
$0
Intro APR
Purchases: 0%, 21 months
Balance Transfers: 0%, 21 months
Regular APR
17.49% - 28.24% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: For 21 months from account opening. To qualify for Intro APR on balance transfer, you must make balance transfer within the first 120 days.
- Regular APR: After the introductory period, a variable APR of 17.49%, 23.99%, or 28.24% applies to purchases and balance transfers.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $50,000.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Emergency Card & Cash Assistance: 24/7 emergency card replacement and cash advance services (fees and interest may apply).
Purchase Protections
- Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $25 deductible.
Shopping & Savings
- My Wells Fargo Deals: Access personalized offers from popular merchants and earn cashback as a statement credit when you activate a deal and use your eligible Wells Fargo credit card.
Additional Features
- Credit Close-Up®: A free tool that helps you monitor your credit score and receive credit alerts.
Terms and Conditions
- Click Apply Now to see the terms and conditions.