Best for balance transfers
The Wells Fargo Reflect Card comes with one of the longest introductory APR offers we’ve seen. The introductory period can be a great way to finance a large purchase or consolidate your debt.
(Partner Offer)
At a glance
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee
At a glance
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Select "Apply Now" to learn more about the product features, terms and conditions
Our Take
TPG Editor's Rating
Overview
If you’re anticipating a large purchase or have existing credit card debt, you can leverage the Wells Fargo Reflect’s credit card offer. There’s no annual fee, and you’ll enjoy a 0% introductory APR on purchases and qualifying balance transfers for 21 months from account opening. After the introductory period, you’ll face a variable APR of 17.99% to 29.99%, depending on your creditworthiness.
Pros
- No annual fee.
- Introductory APR offer of 21 months.
- Cell phone protection.
Cons
- No points or cash rewards earning potential.
- No welcome bonus.
Who is this card good for?
This card is a great choice for those who are looking to avoid paying interest through a terrific introductory APR offer.
Earning Rewards
There are no rewards, although this card comes with up to $600 in cell phone protection against damage or theft if you use it to pay your monthly bill, subject to a $25 deductible.