Advertiser Disclosure
The Credit Time is a free, independent information site operated by GRIDE HOLDING, LLC. To keep our content free, we may earn commissions from partners when you click a link or are approved for a product featured here. That compensation can influence where and how products appear, but not our editorial analysis. When you click through, you leave our site and the issuer's own terms and privacy policy apply.
Read moreWells Fargo Reflect® Card review: 21 months at 0% intro APR
What to know about the Reflect card's long 0% intro period, the balance transfer window, its fees and when it beats a rewards card.
The Credit Time is independent. We may earn a commission when you apply through our links, but it doesn't change our analysis. Rates and terms come from the issuer and can change.
Our verdict
Rates and fees
- Regular APR: 17.74%, 24.24% or 28.49% variable, depending on your credit
- 0% intro APR 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 after the intro rate ends
- Foreign transaction fee: 3%
- No annual fee
- Read the official terms from Wells Fargo
Extra features
- Cell phone protection up to $600 when you pay your phone bill with the card ($25 deductible)
- 24/7 Roadside Dispatch
- Account credits at participating merchants through My Wells Fargo Deals
- Free FICO® score access through Credit Close-Up
Pros and cons
Pros
21 months at 0% intro APR, the longest we found
Works on purchases and balance transfers
$0 annual fee
Cell phone protection included
Cons
Doesn't earn any rewards
Balance transfers carry a fee
3% foreign transaction fee
Full review
Reflect offers 0% intro APR for 21 months from account opening, on purchases and on balance transfers made in the first 120 days. Once it ends, a variable APR set by your credit applies.
There are no points or cash back. Its value is the long stretch without interest, which can add up to real savings if you move debt from a high-rate card.
» SEE ALSO: Visit the official Wells Fargo page
At a glance
Network: Visa
Earn rate: none
Intro APR: 0% for 21 months
Balance transfer window: 120 days
Annual fee: $0
Side-by-side comparison
Wells Fargo Reflect® Card
Discover it® Cash Back
Chase Freedom Unlimited®Rates and terms taken from each issuer's official site on 09/23/2026. Regular APRs are variable.
Should you apply?
Reflect is the one to pick if avoiding interest for as long as possible is your main goal.
If you always pay in full, a cash back card gives you more for your spending.
Want to earn rewards during your 0% period? Discover it Cash Back offers 15 months at 0% plus cash back.
Apply now