The Wells Fargo Reflect® Card (see 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.
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)
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.
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR on purchases for 21 months from account opening
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
16.99%, 23.49%, or 28.74% Variable APR
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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 (16.99%, 23.49%, or 28.74% 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.
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- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
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- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 16.99%, 23.49%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
- High value through rewards or 0% intro APR offers
- Attainable welcome bonuses that make up for any annual fees
- Low annual fees or a balance transfer fee of 3%
- Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you’re getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. ‘Best for’ category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
- High value through rewards or 0% intro APR offers
- Attainable welcome bonuses that make up for any annual fees
- Low annual fees or a balance transfer fee of 3%
- Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you’re getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. ‘Best for’ category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
What I like about the Wells Fargo Reflect Card
Long 0% intro APR period
If you’re in an uphill battle against a mountain of debt, the Wells Fargo Reflect® Card is absolutely a card to consider. The biggest benefit of the card is 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (a go-to 16.99%, 23.49%, or 28.74% Variable APR applies after the intro period). That’s one of the longest 0% APR periods you’ll find.
That means you’ll have nearly two years to pay off your balance without incurring interest. When you’re looking to get out from under debt, this card is hard to beat.
$0 annual fee
The Wells Fargo Reflect® Card doesn’t charge an annual fee, which makes it easier to keep in your wallet without worrying about extra costs. For those who want to build their credit history or, like me, prefer holding onto a top credit card long term, this is a great perk.
Keeping the card open can also positively impact your credit score by increasing the length of your credit history.
Cellphone protection
Another nice perk of the Wells Fargo Reflect® Card is cellphone protection. If you pay your monthly cellphone bill using the card, you’ll be eligible for up to $600 in coverage for theft or damage to your phone. This benefit can be used up to two times a year and is subject to a small deductible.
I’ve never had to use it, but as a Wells Fargo cardholder I’ve always loved the idea of this perk — especially as a frequent phone-dropper and generally clumsy person.
Credit card comparison
We recommend comparing options to ensure the card you’re selecting is the best fit for you. To make your search easier, here’s a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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5.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. 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 for cash back on rotating categories |
Discover will match all the cash back you’ve earned at the end of your first year. INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. | 1% – 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% – 27.24% Variable APR |
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Wells Fargo Reflect® Card |
5.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. 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 for long 0% intro APR |
N/A | N/A |
Intro: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR on purchases for 21 months from account opening Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers Regular: 16.99%, 23.49%, or 28.74% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card On Bank of America’s Secure Website. |
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. 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 for unlimited rewards on purchases |
25,000 points (worth $250) 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases | 1.5-3 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don’t expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 18.24% – 28.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card On Bank of America’s Secure Website. |
Downsides to consider
No ongoing rewards
Once the 0% intro APR offer expires, the Wells Fargo Reflect® Card offers no ongoing rewards or incentives. That means if you’re looking for a card that offers long-term perks like cash back or travel rewards, this card isn’t the best option.
A strong alternative would be the Wells Fargo Active Cash® Card (rates and fees), which offers straightforward 2% cash rewards on all purchases for a $0 annual fee — currently my favorite card in my wallet.
Balance transfer fee
While the Wells Fargo Reflect® Card is among the longest 0% intro APR period cards, there’s also the balance transfer fee to consider. The card charges a fee of 5%, min: $5, which can be costly if you’re transferring a large balance. For example, transferring a balance of $10,000 to this card would let you pay it off at 0% interest (within the intro period) — but you would have to pay a $500 transfer fee.
You’ll have to run the numbers to see if eating the balance transfer fee is actually cheaper than paying interest. If you won’t take full advantage of the 0% intro APR for 21 months from account opening on qualifying balance transfers (then 16.99%, 23.49%, or 28.74% Variable APR) to pay off your balance, it might be worth considering another card with a lower balance transfer fee.
Foreign transaction fees
The Wells Fargo Reflect® Card also charges a 3% foreign transaction fee, which means you’ll pay extra for purchases made outside of the U.S.
If you plan to travel abroad and want to avoid fees, consider one of our favorite travel credit cards.
How to apply for the Wells Fargo Reflect Card
Applying for the Wells Fargo Reflect® Card is easy. Here’s what to do:
- You can start the application process right here from this page.
- Provide your personal and financial details, including your name, income, address, and Social Security number.
- Review the terms and conditions, and submit your application.
- Wait for approval, then start enjoying the benefits of your new card.
Final thoughts
If you’re looking for a card with ongoing rewards or perks after the introductory period ends, the Wells Fargo Reflect® Card might not be the best fit. Otherwise, the card is a strong choice for those looking to pay off debt or finance a large purchase as one of the most competitive 0% intro APR cards.
Ready to make a dent in your debt? Apply for the Wells Fargo Reflect® Card today — awarded Motley Fool Money’s Best 0% Intro APR Card of 2025.
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Review sources
FAQs
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No, the Wells Fargo Reflect® Card has a $0 annual fee.
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The card offers 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases.
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No, the card does not offer any rewards.
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The Wells Fargo Reflect® Card charges a balance transfer fee of 5%, min: $5. There’s also a 3% foreign transaction fee.
Other fees for things like cash advances and late payments may also apply. Check the card’s terms for details.
