Wells Fargo Reflect Card
A no-annual-fee card built for paying down debt, offering one of the longest 0% intro APR periods on purchases and qualifying balance transfers.
Why it ranks
- Very long 0% intro APR
- No annual fee
- Good for debt payoff
What holds it back
- No rewards
- Balance transfer fee applies
- 3% foreign transaction fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-annual-fee card built for paying down debt, offering one of the longest 0% intro APR periods on purchases and qualifying balance transfers.
Wells Fargo Reflect Card at a glance
| Issuer | Wells Fargo |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | None |
| Rewards rate | No rewards program; focused on a long interest-free period |
| Intro APR | 0% intro APR on purchases and qualifying balance transfers for 21 months |
| Regular APR | 17.24%–28.99% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good to Excellent (700+) |
| Best for | Paying off a large purchase or transferred balance over time |
| Airport lounge access | No |
Rewards & benefits
- One of the longest 0% intro periods available
- Cell phone protection benefit
- No annual fee
Eligibility & who it suits
- Good-to-excellent credit score
- Balance transfers must be requested within the intro window
- Generally one Wells Fargo bonus per 16 months
How to apply
Check current rates on Wells Fargo’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | WFWells FargoReflectNo annual fee · US Wells Fargo Reflect CardPaying off a large purchase or transferred balance over time |
None | No rewards program; focused on a long interest-free period | None | 3% | Good to Excellent (700+) | |
| 2 | COCapital OneVenture X Rewards$395/yr · US Capital One Venture X RewardsTravelers who want premium perks at a lower fee |
$395/yr | 10x hotels & cars via Capital One Travel, 5x flights via portal, 2x everything e… | Large miles welcome offer | None | Excellent (740+) | |
| 3 | CChaseSapphire Preferred$95/yr · US Chase Sapphire Preferred CardTravelers who want flexible points without a huge annual fee |
$95/yr | 5x travel (Chase Travel), 3x dining & streaming, 2x other travel, 1x everything… | 60,000+ bonus points after meeting the minimum spend | None | Good to Excellent (700+) | |
| 4 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) |
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