Review
Wells Fargo Reflect® Card Review: Longest 0% APR for Balance Transfers
Looking for a balance transfer card with a long 0% intro APR? The Wells Fargo Reflect® Card offers 21 months to pay down debt interest-free, making it a top choice for tackling balances without the pressure.
Wells Fargo
Wells Fargo Reflect® Card
| Annual Fee | $0.00 |
| Regular APR | 17.49%, 23.99% or 28.24% variable APR thereafter. |
| Intro APR | 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. Balance transfers made within 120 days from account opening qualify for the introductory rate. |
| Rewards Rate | None |
| Sign-up Bonus | None |
| Other Fees | There is a Foreign Currency Conversion fee of 3% for each transaction amount converted to U.S. dollars. Yes, typically there is a balance transfer fee associated with the Wells Fargo Reflect Card. Please refer to the Important Credit Terms for the most current rate and fee information. |
Overview
Pros & Cons
What's great
- No annual fee
- Intro APR period
Things to consider
- High regular APR
- Foreign transaction fees apply
- No sign-up bonus
- No rewards
Benefits
Drawbacks
Decision Guidance
Summary
The Wells Fargo Reflect® Card is designed for consumers who need an extended period to pay down debt or finance a large purchase. Its primary strength is its long 0% intro APR period, as well as no annual fee, making it a cost-effective option for th...