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Wells Fargo Reflect Card Review
Twenty-one months without interest on purchases and transfers, one of the longest windows any major issuer offers. It earns nothing, and that is the point.
We review cards on the terms issuers publish: APR, fees, rewards and eligibility. We do not accept payment for a favorable review.
The verdict
Rates and fees
- No annual fee.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.49%, 23.99% or 28.24% variable.
- Balance transfer fee of 5% with a $5 minimum.
- Foreign transaction fee applies.
- Current rates and terms on Wells Fargo's site
More details
- The 21-month clock starts at account opening, not at your first purchase or transfer.
- Only transfers that post within 120 days of opening qualify for the intro rate.
- You cannot transfer a balance from another Wells Fargo account.
- This is a true 0% offer, not deferred interest, so nothing is charged retroactively on the intro balance.
- Up to $600 of cell phone protection with a $25 deductible when you pay your phone bill with the card.
- Access to My Wells Fargo Deals for merchant-funded statement credits.
Pros and cons
Pros
21 months at 0% on both purchases and transfers
No annual fee
True 0%, not deferred interest
Cell phone protection
Cons
No rewards and no welcome bonus
5% balance transfer fee
Transfers must post within 120 days
Foreign transaction fee
Full review
Twenty-one months is close to the ceiling of what any issuer offers, and unusually the window covers purchases and balance transfers equally. Most long 0% cards give you a long transfer window and a short purchase window, or the reverse. Here you can move a balance and finance a new expense on the same runway.
Do the arithmetic before you apply, because the transfer fee is not small. Moving $5,250 becomes about $5,512 after the 5% fee, and paying roughly $263 a month clears it inside the intro period with no interest. Against a card charging 24%, that fee pays for itself within the first couple of months. Against a small balance you could clear in six months anyway, it may not.
The fine print catches people in two places. Transfers only get the intro rate if they post within 120 days of opening, and balances from other Wells Fargo accounts cannot be moved here at all. It is also worth being honest about the card's second act: it earns nothing, so most people shift their spending elsewhere once the balance is clear and keep the account open for the credit history.
» MORE: Compare all eight cards side by side
The basics
Best for: clearing a balance without interest
Annual fee: $0
Card network: Visa
Credit needed: good to excellent
How it compares
Wells Fargo Reflect Card
U.S. Bank Cash+ Visa Signature
Bank of America Unlimited Cash RewardsPublished issuer terms, checked Aug 30, 2026. Your APR and credit limit are set by the issuer after review.
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Frequently asked questions
When does the 21 months start?
How much is the transfer fee?
Can I transfer a balance from another Wells Fargo card?
About the author
CreditStepUp Team
We compare credit cards on the terms issuers publish and update our pages when those terms change.