The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Best for balance transfers
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 17.74%, 24.24%, or 28.49%, depending on your creditworthiness.
Introductory purchases APR
0% intro APR for 21 months from account opening on purchases
Ongoing purchases APR
17.74%, 24.24%, or 28.49% Variable APR
Introductory balance transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Ongoing balance transfer APR
17.74%, 24.24%, or 28.49% Variable APR
Ongoing cash advance APR
Refer to Important Credit Terms
Annual fee
$0
Recommended credit
More details
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 17.74%, 24.24%, or 28.49%, depending on your creditworthiness.
Read the full reviewThis card is a great choice for those who are looking to avoid paying interest through a terrific introductory APR offer.
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.
