Wells Fargo Reflect Credit Card

Wells Fargo, founded in 1929, is a U.S.-based financial services company with over 70 million customers across 35 countries. The company offers 6 credit cards, with a single standout for customers looking to transfer credit card balances: the Wells Fargo Reflect Visa credit card.

Below we lay out why the Reflect is a great choice if you're looking for a 0% intro APR balance transfer credit card, as long as you're ready to transfer to the card soon after opening it.

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Balance Transfer Offer Details

Wells Fargo's Reflect credit card offers a 0% intro APR for 21 months on balance transfers made within 120 days of account opening. As of this writing, 21 months is the longest available 0% APR balance transfer offer on the market, matched by just a few other credit cards.

Unlike with many other balance transfer cards, the 0% intro APR period starts the day your account is opened, so be sure to transfer any balances quickly to the card to be able to take advantage of the full 21 months.

Any balance transfer made over 120 days after account opening will be ineligible for the 0% intro APR offer. Each balance transfer has a 5% ($5 minimum) fee.

Once the 0% APR period ends, the variable APR on any remaining balance will be 18.24% to 29.99%, depending on your creditworthiness. As with any balance transfer card, you must pay off or transfer your remaining balance prior to the 0% intro APR offer expiring to avoid paying interest on the balance.

Purchase Offer Details

The Wells Fargo Reflect also offers a market-leading 21-month 0% intro APR on purchases from the date of account opening. The variable APR on purchases after 12 months is between 18.24% and 29.99%, based on your creditworthiness.

Benefits

  • Longest available 0% APR balance transfer offer and purchase offer on the market
  • No annual fee
  • Up to $600 of cell phone protection against damage or theft (when cell phone bill is paid with eligible Wells Fargo credit card)

Drawbacks

  • No rewards program
  • No welcome offer (apart from the 0% intro APR offer)
  • 5% balance transfer fee is higher than some
  • 3% foreign transaction fee

Summary

The Wells Fargo Reflect Visa boasts a market-leading 0% intro APR for 21 months on balance transfers and purchases, with a 5% fee for balance transfers. the 21-month period starts on account opening, so it's important to transfer any balances to the card quickly to take full advantage of the 0% APR. Balance transfers must be made within 120 days from account opening to qualify for the 0% intro APR.

The card doesn't offer much apart from 0% intro APRs, so it likely won't be the right choice if a lengthy promo APR isn't what you're looking for.

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