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Review · Terms verified 2026-10-05
Wells Fargo Reflect Card review
Verified Oct 5, 2026No-annual-fee card offering 0% for up to 21 months on purchases and transfers — the longest intro we verified.
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Unpack Money score: 86/100
The Wells Fargo Reflect offers 0% intro APR for 21 months on purchases and qualifying balance transfers — the longest interest-free window we verified — with no annual fee. Transfers must be made within 120 days of account opening to qualify.
The price of that runway is the transfer fee: a flat 5% (minimum $5), with no reduced intro rate. On a $10,000 transfer that's $500 — versus $300 at a 3% card. The math still favors the Reflect if you need the full 21 months: the extra months of 0% outweigh the higher fee for most payoff plans, but run your own numbers if you'll be done in under a year.
After the intro, a variable 17.74%, 24.24%, or 28.49% applies depending on creditworthiness — and Wells Fargo notes the tiers vary by marketing channel, so your offer may differ slightly. A $600 cell phone protection perk (pay your bill with the card) is an unusual bonus for a no-fee transfer card. No rewards, no bonus, 3% foreign fee: this card does one job, for 21 months, very well.
What we like
- 21-month 0% intro on purchases and transfers
- No annual fee
- $600 cell phone protection included
Watch out for
- 5% balance transfer fee (no reduced intro fee)
- No rewards or bonus
- 3% foreign transaction fee
FAQs
How long is the 0% intro APR?
What is the APR after the intro period?
Is there an annual fee?
Sources
Every term on this page was verified against the provider's official website on 2026-10-05. We never use aggregator sites as sources.