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0% intro APR until 2024 is 100% insane
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Wells Fargo Reflect® Card Review: Great for Paying Off Debt, but Not for Rewards
Review
Updated
Jan. 20, 2026
Author:
Ryan Wilcox
Ryan Wilcox
Full-Time Personal Finance Writer
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.
See Full Bio
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.
The Wells Fargo Reflect® Card (rates and fees) is designed for people who want some breathing room from interest -- whether that means paying down debt or financing a larger purchase. It's one of the most competitive 0% intro APR cards you'll find, which can make a real difference if you're trying to get ahead.
I've been a Wells Fargo banking customer and cardholder for years, and I've always appreciated how seamless it is to manage payments right from my account. It makes staying on top of debt that much easier.
The Wells Fargo Reflect® Card doesn't pile on extras like rewards, but if your goal is to stop interest in its tracks, it's a slam dunk. In this review, I'll walk through what makes it stand out, and what to consider before applying.
[Wells Fargo Reflect® Card]
Apply Now for Wells Fargo Reflect® Card
Wells Fargo's
Secure Website
2026 Award Winner
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Wells Fargo Reflect® Card
Apply Now for Wells Fargo Reflect® Card
Wells Fargo's
Secure Website
[Wells Fargo Reflect® Card]
5.00/5
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
5.00/5
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Apply Now for Wells Fargo Reflect® Card
Wells Fargo's
Secure Website
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR for 21 months from account opening on purchases
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% Variable APR
Rewards
N/A
Annual Fee
Welcome Offer
N/A
This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, this card is hard to beat.
- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
[...]