{"id":49233,"date":"2025-09-25T18:17:46","date_gmt":"2025-09-25T11:17:46","guid":{"rendered":"https:\/\/hbbgroup.net\/0-intro-apr-until-2024-is-100-insane\/"},"modified":"2025-09-25T18:17:46","modified_gmt":"2025-09-25T11:17:46","slug":"0-intro-apr-until-2024-is-100-insane","status":"publish","type":"post","link":"https:\/\/hbbgroup.net\/vi\/0-intro-apr-until-2024-is-100-insane\/","title":{"rendered":"0% intro APR until 2024 is 100% insane"},"content":{"rendered":"<div>\n<div>\n<p data-block-key=\"2a1n9\">The Wells Fargo Reflect\u00ae Card (see <a target=\"_blank\" rel=\"noopener nofollow\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&#038;subproduct_code=VV&#038;FPID=013000IGF80000&#038;sub_channel=AFF&#038;vendor_code=IM\">rates and fees<\/a>) is designed for people who want some breathing room from interest &#8212; whether that means paying down debt or financing a larger purchase. It&#8217;s one of the most competitive 0% intro APR cards you&#8217;ll find, which can make a real difference if you&#8217;re trying to get ahead.<\/p>\n<p data-block-key=\"346b4\">I&#8217;ve been a Wells Fargo banking customer and cardholder for years, and I&#8217;ve always appreciated how seamless it is to manage payments right from my account. It makes staying on top of debt that much easier.<\/p>\n<p data-block-key=\"epf97\">The Wells Fargo Reflect\u00ae Card doesn&#8217;t pile on extras like rewards, but if your goal is to stop interest in its tracks, it&#8217;s a slam dunk. In this review, I&#8217;ll walk through what makes it stand out, and what to consider before applying.<\/p>\n<\/p><\/div>\n<div id=\"wells-fargo-reflect-card\" data-offer_position=\"1\">\n<div>\n<div>\n<p><a rel=\"sponsored nofollow\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/wells-fargo-reflect\/?from=108&#038;futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=img&#038;lclksec=offer_tile&#038;ord=1\" target=\"_blank\" data-track-link=\"wells-fargo-reflect\" data-track-category=\"offer_click\" data-track-action=\"offer_click_image\" data-offer_order=\"1\" data-link_type=\"img\" data-block_type=\"card_tile_list\" data-block_order=\"3\" data-click-section=\"offer_tile\">                     <img decoding=\"async\" src=\"https:\/\/m.foolcdn.com\/media\/affiliates\/original_images\/wells-fargo-reflect_ysXWfbZ_BQAMobD.jpeg\" alt=\"Wells Fargo Reflect\u00ae Card\" width=\"210\" height=\"130\" previous-src=\"https:\/\/m.foolcdn.com\/media\/affiliates\/original_images\/wells-fargo-reflect_ysXWfbZ_BQAMobD.jpeg\">                   <\/a>                 <\/p>\n<div>\n<p><span>Credit Score:<\/span>                 <span>   <span tabindex=\"0\" aria-describedby=\"ttip-cc_rating desktop-id--1-desc\">     <span><svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-1--cc_rating desktop icon-info-descrip-1-cc_rating desktop\" role=\"img\">          <desc id=\"icon-info-descrip-1-cc_rating desktop\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg> <\/span>     <span id=\"ttip-cc_rating desktop-id--1-desc\" role=\"tooltip\">       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.<br \/>       <span><\/span>     <\/span>   <\/span> <\/span><\/p>\n<div>\n<p><span>       Recommended Credit Score required for this offer is: Good\/Excellent (670-850)     <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<div>\n<p><span>Credit Score<\/span>               <span>   <span tabindex=\"0\" aria-describedby=\"ttip-cc_rating mobil-articles-id--1-desc\">     <span><svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-1--cc_rating mobil-articles icon-info-descrip-1-cc_rating mobil-articles\" role=\"img\">          <desc id=\"icon-info-descrip-1-cc_rating mobil-articles\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg> <\/span>     <span id=\"ttip-cc_rating mobil-articles-id--1-desc\" role=\"tooltip\">       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.<br \/>       <span><\/span>     <\/span>   <\/span> <\/span><\/p>\n<\/p><\/div>\n<div>\n<p><span>Intro APR<\/span>                                    <span>     <span tabindex=\"0\" aria-describedby=\"ttip-introAPR-id--1-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-1--introAPR icon-info-descrip-1-introAPR\" role=\"img\">          <desc id=\"icon-info-descrip-1-introAPR\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-introAPR-id--1-desc\" role=\"tooltip\">       0% intro APR for 21 months from account opening on purchases and qualifying balance transfers       <span><\/span>     <\/span>   <\/span>  <\/span>                                <\/p>\n<div>\n<p>                     <strong>Purchases:<\/strong> 0% intro APR on purchases for 21 months from account opening                   <\/p>\n<p>                     <strong>Balance Transfers:<\/strong> 0% intro APR for 21 months from account opening on qualifying balance transfers                   <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<p>Regular APR<\/p>\n<p>                                    16.99%, 23.49%, or 28.74% Variable APR                                 <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div>\n<ul>\n<li>\n<div id=\"faq_1_bottom_line\">\n<p data-block-key=\"vhaaa\">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.<\/p>\n<\/p><\/div>\n<\/li>\n<li>\n<div id=\"faq_1_pros_cons\">\n<div>\n<ul>\n<li data-block-key=\"d8rrf\">Long 0% intro APR offer<\/li>\n<li data-block-key=\"627io\">No annual fee<\/li>\n<li data-block-key=\"cobjr\">Cellphone protection<\/li>\n<\/ul>\n<\/div>\n<div>\n<ul>\n<li data-block-key=\"5do1d\">Balance transfer fee<\/li>\n<li data-block-key=\"6qkks\">Foreign transaction fee<\/li>\n<li data-block-key=\"59sp\">No rewards program<\/li>\n<\/ul>\n<\/div><\/div>\n<\/li>\n<li data-conditional-accordion=\"false\">\n<div id=\"faq_1_card_details\">\n<ul>\n<li data-block-key=\"2ygjr\">Apply Now to take advantage of this offer and learn more about product features, terms and conditions.<\/li>\n<li data-block-key=\"6fn4g\">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.<\/li>\n<li data-block-key=\"2voud\">$0 annual fee.<\/li>\n<li data-block-key=\"4va7u\">Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.<\/li>\n<li data-block-key=\"cir7p\">Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It&#8217;s an easy way to earn cash back as an account credit\u00a0when\u00a0you shop, dine, or enjoy an experience simply by using\u00a0an eligible\u00a0Wells Fargo credit card.<\/li>\n<\/ul>\n<\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div>\n<div id=\"methodology-accordion-content-20eedc75-bb06-4d96-89da-9dc52f4fceae\">\n<p data-block-key=\"e0z4a\">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.<\/p>\n<p data-block-key=\"8oqoj\">Our highest-rated credit cards have:<\/p>\n<ul>\n<li data-block-key=\"eg2db\">\u200b\u200bHigh value through rewards or 0% intro APR offers<\/li>\n<li data-block-key=\"59um8\">Attainable welcome bonuses that make up for any annual fees<\/li>\n<li data-block-key=\"2irsh\">Low annual fees or a balance transfer fee of 3%<\/li>\n<li data-block-key=\"asd6p\">Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades<\/li>\n<\/ul>\n<p data-block-key=\"cgnc0\">We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you&#8217;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. &#8216;Best for&#8217; category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.<\/p>\n<p data-block-key=\"33jo8\">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 <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/credit-card-ratings-methodology\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt\">how Motley Fool Money rates credit cards<\/a>.<\/p>\n<\/p><\/div>\n<div id=\"methodology-accordion-content-20eedc75-bb06-4d96-89da-9dc52f4fceae\">\n<p data-block-key=\"e0z4a\">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.<\/p>\n<p data-block-key=\"8oqoj\">Our highest-rated credit cards have:<\/p>\n<ul>\n<li data-block-key=\"eg2db\">\u200b\u200bHigh value through rewards or 0% intro APR offers<\/li>\n<li data-block-key=\"59um8\">Attainable welcome bonuses that make up for any annual fees<\/li>\n<li data-block-key=\"2irsh\">Low annual fees or a balance transfer fee of 3%<\/li>\n<li data-block-key=\"asd6p\">Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades<\/li>\n<\/ul>\n<p data-block-key=\"cgnc0\">We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you&#8217;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. &#8216;Best for&#8217; category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.<\/p>\n<p data-block-key=\"33jo8\">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 <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/credit-card-ratings-methodology\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt\">how Motley Fool Money rates credit cards<\/a>.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><h2 id=\"what-i-like-about-the-creditcard-slugwells-fargo-reflect-fieldoffer_name_short\">What I like about the Wells Fargo Reflect Card<\/h2>\n<\/p>\n<div>\n<h3 id=\"long-0percent-intro-apr-period\" data-block-key=\"yhzmt\">Long 0% intro APR period<\/h3>\n<p data-block-key=\"6jqgs\">If you&#8217;re in an uphill battle against a mountain of debt, the Wells Fargo Reflect\u00ae 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&#8217;s one of the longest <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/guides-tools\/what-0-apr-definition\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt\">0% APR periods<\/a> you&#8217;ll find.<\/p>\n<p data-block-key=\"97m55\">That means you&#8217;ll have nearly two years to pay off your balance without incurring interest. When you&#8217;re looking to get out from under debt, this card is hard to beat.<\/p>\n<h3 id=\"creditcard-slugwells-fargo-reflect-fieldannual_fee-annual-fee\" data-block-key=\"oc37j\">$0 annual fee<\/h3>\n<p data-block-key=\"5cbcq\">The Wells Fargo Reflect\u00ae Card doesn&#8217;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 <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/best-credit-cards\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt\">top credit card<\/a> long term, this is a great perk.<\/p>\n<p data-block-key=\"82llu\">Keeping the card open can also positively impact your credit score by increasing the length of your credit history.<\/p>\n<h3 id=\"cellphone-protection\" data-block-key=\"3hicq\">Cellphone protection<\/h3>\n<p data-block-key=\"3blah\">Another nice perk of the Wells Fargo Reflect\u00ae Card is cellphone protection. If you pay your monthly cellphone bill using the card, you&#8217;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.<\/p>\n<p data-block-key=\"8l75t\">I&#8217;ve never had to use it, but as a Wells Fargo cardholder I&#8217;ve always loved the idea of this perk &#8212; especially as a frequent phone-dropper and generally clumsy person.<\/p>\n<\/p><\/div>\n<div>\n<h2 id=\"creditcard_alts_to_consider\">Credit card comparison<\/h2>\n<p data-block-key=\"tqdx8\">We recommend comparing options to ensure the card you&#8217;re selecting is the best fit for you. To make your search easier, here&#8217;s a short list of standout credit cards.<\/p>\n<div>\n<table readabilitydatatable=\"1\">\n<thead>\n<tr>\n<th>Offer<\/th>\n<th>Our Rating<\/th>\n<th>Welcome Offer<\/th>\n<th>Rewards Program<\/th>\n<th>APR<\/th>\n<th>Learn More<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<div>                                                     <a rel=\"sponsored nofollow\" href=\"http:\/\/www.fool.com\/money\/credit-cards\/discover\/discover-it-cash-back-review\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=img&#038;lclksec=alts_to_consider&#038;ord=1\" target=\"_blank\" data-offer_order=\"1\" data-link_type=\"img\" data-slug=\"discover-it-cash-back\" data-action=\"unmonetized\" data-click-section=\"alts_to_consider\" aria-label>       <\/p>\n<p><img decoding=\"async\" src=\"https:\/\/m.foolcdn.com\/media\/affiliates\/credit-card-art\/discover-it-cash-back_qZc7GjN_7HsVwS0.png\" alt=\"Logo for Discover it\u00ae Cash Back\">       <\/p>\n<p>     <\/a>                                           <\/p>\n<div>\n<p><a href=\"http:\/\/www.fool.com\/money\/credit-cards\/discover\/discover-it-cash-back-review\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt-rev&#038;ord=1&#038;ltxt=Read+full+review+of+Discover+it%C2%AE+Cash+Back\" data-offer_order=\"1\" class data-slug=\"discover-it-cash-back\" data-link_type=\"txt-rev\" aria-label=\"Read full review of Discover it\u00ae Cash Back\">          Discover it\u00ae Cash Back      <\/a>   <\/p>\n<\/div>\n<div>\n<p><a rel=\"sponsored noopener nofollow\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/discover-it-cash-back\/?from=108&#038;futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=btn-g-alts&#038;lclksec=alts_to_consider&#038;ord=1&#038;ltxt=Apply+Now+button+for+Discover+it%C2%AE+Cash+Back\" target=\"_blank\" data-offer_order=\"1\" data-link_type=\"btn-g-alts\" data-slug=\"discover-it-cash-back\" data-click-section=\"alts_to_consider\" data-block_type=\"global_alts_to_consider\" data-block_order=\"7\" data-ftm_veh=\"evergreen_cc_alts\" aria-label=\"Apply Now button for Discover it\u00ae Cash Back\">                <span>Apply Now <span>for Discover it\u00ae Cash Back<\/span><\/span>                   <\/a><\/p>\n<p>On                        Discover&#8217;s            Secure Website<span aria-hidden=\"false\">.<\/span>         <\/p>\n<p>         <a href=\"https:\/\/goto.discover.com\/c\/398844\/568217\/9099?prodsku=100&#038;u=https%3A%2F%2Fwww.discovercard.com%2Fapplication%2Fwebsite%2Fratesrewards%3FsrcCde%3DGJVM%261&#038;intsrc=APIG_4272&#038;sharedid=6825239\" rel=\"noopener nofollow\" target=\"_blank\">Rates &#038; Fees <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/icon_external_link.svg\" alt=\"External Link Icon\" height=\"10\" width=\"10\"><\/a>       <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td>\n<div>\n<div role=\"img\" aria-label=\"5.00 out of 5 stars\">\n<p><img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">        <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">        <\/p>\n<\/p><\/div>\n<p><span>5.00\/5<\/span>                <span aria-describedby=\"ttip-cs_sum_tabf42e83-id--1-desc\" tabindex=\"0\">         <span><svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-1--cs_sum_tabf42e83 icon-info-descrip-1-cs_sum_tabf42e83\" role=\"img\">          <desc id=\"icon-info-descrip-1-cs_sum_tabf42e83\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg> <\/span>         <span aria-hidden=\"false\" id=\"ttip--1-cs_sum_tabf42e83-desc\">             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.         <\/span>         <span id=\"ttip-cs_sum_tabf42e83-id--1-desc\" role=\"tooltip\">           <span>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.<br \/><\/span>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Best<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Excellent<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Good<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Fair<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Poor<br \/>                          <span><\/span>           <\/span>         <\/span>            <\/p>\n<\/p><\/div>\n<p>                 <span>Best for cash back on rotating categories<\/span>               <\/td>\n<td>                 <span>Discover will match all the cash back you\u2019ve earned at the end of your first year.                                             <span tabindex=\"0\" aria-describedby=\"ttip-card-rewards-id--1-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-1--card-rewards icon-info-descrip-1-card-rewards\" role=\"img\">          <desc id=\"icon-info-descrip-1-card-rewards\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-card-rewards-id--1-desc\" role=\"tooltip\">       INTRO OFFER: Unlimited Cashback Match for all new cardmembers\u2013only from Discover. Discover will automatically match all the cash back you\u2019ve earned at the end of your first year! There\u2019s no minimum spending or maximum rewards. You could turn $150 cash back into $300.       <span><\/span>     <\/span>   <\/span>                                      <\/span>               <\/td>\n<td>                 <span>1% &#8211; 5% Cashback                                             <span tabindex=\"0\" aria-describedby=\"ttip-card-rewards-id--1-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-1--card-rewards icon-info-descrip-1-card-rewards\" role=\"img\">          <desc id=\"icon-info-descrip-1-card-rewards\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-card-rewards-id--1-desc\" role=\"tooltip\">       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.       <span><\/span>     <\/span>   <\/span>                                      <\/span>               <\/td>\n<td>\n<p>                   <span>                     <strong>Intro:<\/strong>                                        <\/span>                 <\/p>\n<p>                                        <span>Purchases: 0%, 15 months<\/span>                                    <\/p>\n<p>                                        <span>Balance Transfers: 0%, 15 months<\/span>                                    <\/p>\n<p>                   <strong>Regular:<\/strong>                                        <span>18.24% &#8211; 27.24% Variable APR<\/span>                                    <\/p>\n<\/td>\n<td>\n<div>\n<p><a rel=\"sponsored noopener nofollow\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/discover-it-cash-back\/?from=108&#038;futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=btn-g-alts&#038;lclksec=alts_to_consider&#038;ord=1&#038;ltxt=Apply+Now+button+for+Discover+it%C2%AE+Cash+Back\" target=\"_blank\" data-offer_order=\"1\" data-link_type=\"btn-g-alts\" data-slug=\"discover-it-cash-back\" data-click-section=\"alts_to_consider\" data-block_type=\"global_alts_to_consider\" data-block_order=\"7\" data-ftm_veh=\"evergreen_cc_alts\" aria-label=\"Apply Now button for Discover it\u00ae Cash Back\">                <span>Apply Now <span>for Discover it\u00ae Cash Back<\/span><\/span>                   <\/a><\/p>\n<p>On                        Discover&#8217;s            Secure Website<span aria-hidden=\"false\">.<\/span>         <\/p>\n<p>         <a href=\"https:\/\/goto.discover.com\/c\/398844\/568217\/9099?prodsku=100&#038;u=https%3A%2F%2Fwww.discovercard.com%2Fapplication%2Fwebsite%2Fratesrewards%3FsrcCde%3DGJVM%261&#038;intsrc=APIG_4272&#038;sharedid=6825239\" rel=\"noopener nofollow\" target=\"_blank\">Rates &#038; Fees <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/icon_external_link.svg\" alt=\"External Link Icon\" height=\"10\" width=\"10\"><\/a>       <\/p>\n<\/p><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<div>                                                     <a rel=\"sponsored nofollow\" href=\"http:\/\/www.fool.com\/money\/credit-cards\/wells-fargo\/wells-fargo-reflect-card-review\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=img&#038;lclksec=alts_to_consider&#038;ord=2\" target=\"_blank\" data-offer_order=\"2\" data-link_type=\"img\" data-slug=\"wells-fargo-reflect\" data-action=\"unmonetized\" data-click-section=\"alts_to_consider\" aria-label>       <\/p>\n<p><img decoding=\"async\" src=\"https:\/\/m.foolcdn.com\/media\/affiliates\/original_images\/wells-fargo-reflect_ysXWfbZ_BQAMobD.jpeg\" alt=\"Logo for Wells Fargo Reflect\u00ae Card\">       <\/p>\n<p>     <\/a>                                           <\/p>\n<p>                             Wells Fargo Reflect\u00ae Card                      <\/p>\n<div>\n<p><a rel=\"sponsored noopener nofollow\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/wells-fargo-reflect\/?from=108&#038;futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=btn-g-alts&#038;lclksec=alts_to_consider&#038;ord=2&#038;ltxt=Apply+Now+button+for+Wells+Fargo+Reflect%C2%AE+Card\" target=\"_blank\" data-offer_order=\"2\" data-link_type=\"btn-g-alts\" data-slug=\"wells-fargo-reflect\" data-click-section=\"alts_to_consider\" data-block_type=\"global_alts_to_consider\" data-block_order=\"7\" data-ftm_veh=\"evergreen_cc_alts\" aria-label=\"Apply Now button for Wells Fargo Reflect\u00ae Card\">                <span>Apply Now <span>for Wells Fargo Reflect\u00ae Card<\/span><\/span>                   <\/a><\/p>\n<p>On                        Wells Fargo&#8217;s            Secure Website<span aria-hidden=\"false\">.<\/span>         <\/p>\n<p>         <a href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&#038;subproduct_code=VV&#038;FPID=013000IGF80000&#038;sub_channel=AFF&#038;vendor_code=IM\" rel=\"noopener nofollow\" target=\"_blank\">Rates &#038; Fees <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/icon_external_link.svg\" alt=\"External Link Icon\" height=\"10\" width=\"10\"><\/a>       <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td>\n<div>\n<div role=\"img\" aria-label=\"5.00 out of 5 stars\">\n<p><img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">        <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">        <\/p>\n<\/p><\/div>\n<p><span>5.00\/5<\/span>                <span aria-describedby=\"ttip-cs_sum_tabfcde38-id--2-desc\" tabindex=\"0\">         <span><svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-2--cs_sum_tabfcde38 icon-info-descrip-2-cs_sum_tabfcde38\" role=\"img\">          <desc id=\"icon-info-descrip-2-cs_sum_tabfcde38\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg> <\/span>         <span aria-hidden=\"false\" id=\"ttip--2-cs_sum_tabfcde38-desc\">             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.         <\/span>         <span id=\"ttip-cs_sum_tabfcde38-id--2-desc\" role=\"tooltip\">           <span>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.<br \/><\/span>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Best<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Excellent<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Good<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Fair<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Poor<br \/>                          <span><\/span>           <\/span>         <\/span>            <\/p>\n<\/p><\/div>\n<p>                 <span>Best for long 0% intro APR<\/span>               <\/td>\n<td>                 <span>N\/A                                    <\/span>               <\/td>\n<td>                 <span>N\/A                                    <\/span>               <\/td>\n<td>\n<p>                   <span>                     <strong>Intro:<\/strong>                                                 <span tabindex=\"0\" aria-describedby=\"ttip-card-intro-aprs-id--2-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-2--card-intro-aprs icon-info-descrip-2-card-intro-aprs\" role=\"img\">          <desc id=\"icon-info-descrip-2-card-intro-aprs\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-card-intro-aprs-id--2-desc\" role=\"tooltip\">       0% intro APR for 21 months from account opening on purchases and qualifying balance transfers       <span><\/span>     <\/span>   <\/span>                                          <\/span>                 <\/p>\n<p>                                        <span>Purchases: 0% intro APR on purchases for 21 months from account opening<\/span>                                    <\/p>\n<p>                                        <span>Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers<\/span>                                    <\/p>\n<p>                   <strong>Regular:<\/strong>                                        <span>16.99%, 23.49%, or 28.74% Variable APR<\/span>                                    <\/p>\n<\/td>\n<td>\n<div>\n<p><a rel=\"sponsored noopener nofollow\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/wells-fargo-reflect\/?from=108&#038;futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=btn-g-alts&#038;lclksec=alts_to_consider&#038;ord=2&#038;ltxt=Apply+Now+button+for+Wells+Fargo+Reflect%C2%AE+Card\" target=\"_blank\" data-offer_order=\"2\" data-link_type=\"btn-g-alts\" data-slug=\"wells-fargo-reflect\" data-click-section=\"alts_to_consider\" data-block_type=\"global_alts_to_consider\" data-block_order=\"7\" data-ftm_veh=\"evergreen_cc_alts\" aria-label=\"Apply Now button for Wells Fargo Reflect\u00ae Card\">                <span>Apply Now <span>for Wells Fargo Reflect\u00ae Card<\/span><\/span>                   <\/a><\/p>\n<p>On                        Wells Fargo&#8217;s            Secure Website<span aria-hidden=\"false\">.<\/span>         <\/p>\n<p>         <a href=\"https:\/\/www.wellsfargo.com\/credit-cards\/reflect-visa\/terms\/?product_code=CC&#038;subproduct_code=VV&#038;FPID=013000IGF80000&#038;sub_channel=AFF&#038;vendor_code=IM\" rel=\"noopener nofollow\" target=\"_blank\">Rates &#038; Fees <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/icon_external_link.svg\" alt=\"External Link Icon\" height=\"10\" width=\"10\"><\/a>       <\/p>\n<\/p><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<div>                                                     <a rel=\"sponsored nofollow\" href=\"http:\/\/www.fool.com\/money\/credit-cards\/bank-of-america\/bank-of-america-travel-rewards-review\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=img&#038;lclksec=alts_to_consider&#038;ord=3\" target=\"_blank\" data-offer_order=\"3\" data-link_type=\"img\" data-slug=\"bank-of-america-travel-rewards\" data-action=\"unmonetized\" data-click-section=\"alts_to_consider\" aria-label>       <\/p>\n<p><img decoding=\"async\" src=\"https:\/\/m.foolcdn.com\/media\/affiliates\/original_images\/15591524-1692709984326_VdP5djj.png\" alt=\"Logo for Bank of America\u00ae Travel Rewards credit card\">       <\/p>\n<p>     <\/a>                                           <\/p>\n<div>\n<p><a href=\"http:\/\/www.fool.com\/money\/credit-cards\/bank-of-america\/bank-of-america-travel-rewards-review\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=btn-rev&#038;ord=3&#038;ltxt=Read+full+review+of+Bank+of+America%C2%AE+Travel+Rewards+credit+card\" data-offer_order=\"3\" class data-slug=\"bank-of-america-travel-rewards\" data-link_type=\"btn-rev\" aria-label=\"Read full review of Bank of America\u00ae Travel Rewards credit card\">          Bank of America\u00ae Travel Rewards credit card      <\/a>   <\/p>\n<\/div>\n<div>\n<p><a rel=\"sponsored noopener nofollow\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/bank-of-america-travel-rewards\/?from=108&#038;futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=btn-g-alts&#038;lclksec=alts_to_consider&#038;ord=3&#038;ltxt=Apply+Now+button+for+Bank+of+America%C2%AE+Travel+Rewards+credit+card\" target=\"_blank\" data-offer_order=\"3\" data-link_type=\"btn-g-alts\" data-slug=\"bank-of-america-travel-rewards\" data-click-section=\"alts_to_consider\" data-block_type=\"global_alts_to_consider\" data-block_order=\"7\" data-ftm_veh=\"evergreen_cc_alts\" aria-label=\"Apply Now button for Bank of America\u00ae Travel Rewards credit card\">                <span>Apply Now <span>for Bank of America\u00ae Travel Rewards credit card<\/span><\/span>                   <\/a><\/p>\n<p>On                        Bank of America&#8217;s            Secure Website<span aria-hidden=\"false\">.<\/span>         <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/td>\n<td>\n<div>\n<div role=\"img\" aria-label=\"4.70 out of 5 stars\">\n<p><img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">            <img decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon--gray.svg\" alt width=\"20\" height=\"20\">        <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt width=\"20\" height=\"20\">        <\/p>\n<\/p><\/div>\n<p><span>4.70\/5<\/span>                <span aria-describedby=\"ttip-cs_sum_tab2210b9-id--3-desc\" tabindex=\"0\">         <span><svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-3--cs_sum_tab2210b9 icon-info-descrip-3-cs_sum_tab2210b9\" role=\"img\">          <desc id=\"icon-info-descrip-3-cs_sum_tab2210b9\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg> <\/span>         <span aria-hidden=\"false\" id=\"ttip--3-cs_sum_tab2210b9-desc\">             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.         <\/span>         <span id=\"ttip-cs_sum_tab2210b9-id--3-desc\" role=\"tooltip\">           <span>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.<br \/><\/span>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Best<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Excellent<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Good<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Fair<br \/>                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/g.foolcdn.com\/static\/affiliates\/project\/images\/star_icon.svg\" alt height=\"23\" width=\"20\">                              = Poor<br \/>                          <span><\/span>           <\/span>         <\/span>            <\/p>\n<\/p><\/div>\n<p>                 <span>Best for unlimited rewards on purchases<\/span>               <\/td>\n<td>                 <span>25,000 points (worth $250)                                             <span tabindex=\"0\" aria-describedby=\"ttip-card-rewards-id--3-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-3--card-rewards icon-info-descrip-3-card-rewards\" role=\"img\">          <desc id=\"icon-info-descrip-3-card-rewards\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-card-rewards-id--3-desc\" role=\"tooltip\">       25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening &#8211; that can be a $250 statement credit toward travel purchases       <span><\/span>     <\/span>   <\/span>                                      <\/span>               <\/td>\n<td>                 <span>1.5-3 points per dollar                                             <span tabindex=\"0\" aria-describedby=\"ttip-card-rewards-id--3-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-3--card-rewards icon-info-descrip-3-card-rewards\" role=\"img\">          <desc id=\"icon-info-descrip-3-card-rewards\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-card-rewards-id--3-desc\" role=\"tooltip\">       Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don&#8217;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.       <span><\/span>     <\/span>   <\/span>                                      <\/span>               <\/td>\n<td>\n<p>                   <span>                     <strong>Intro:<\/strong>                                                 <span tabindex=\"0\" aria-describedby=\"ttip-card-intro-aprs-id--3-desc\">     <span>                         <svg width=\"12px\" height=\"12px\" viewbox=\"0 0 12 12\" version=\"1.1\" aria-describedby=\"icon-info-title-3--card-intro-aprs icon-info-descrip-3-card-intro-aprs\" role=\"img\">          <desc id=\"icon-info-descrip-3-card-intro-aprs\">Circle with letter I in it.<\/desc>     <defs \/>     <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">         <g id=\"Component-Card-Collapsed\" transform=\"translate(-799.000000, -47.000000)\">             <g id=\"Group-3\" transform=\"translate(799.000000, 47.000000)\">                 <g id=\"Group\">                     <circle stroke=\"#9B9B9B\" cx=\"6\" cy=\"6\" r=\"5.5\" \/>                     <path d=\"M6.8038086,1.40683593 C6.95419998,1.40683593 7.08131459,1.45875598 7.18515626,1.56259765 C7.28899792,1.66643931 7.34091797,1.79355393 7.34091797,1.9439453 C7.34091797,2.09075593 7.28810275,2.21697537 7.18247071,2.32260741 C7.07683867,2.42823945 6.95061923,2.48105468 6.8038086,2.48105468 C6.65699797,2.48105468 6.53077853,2.42823945 6.42514649,2.32260741 C6.31951445,2.21697537 6.26669922,2.09075593 6.26669922,1.9439453 C6.26669922,1.79355393 6.31861928,1.66643931 6.42246094,1.56259765 C6.52630261,1.45875598 6.65341722,1.40683593 6.8038086,1.40683593 Z M6.87363282,3.53916015 L5.81015626,7.30429687 C5.73854131,7.55852991 5.70273438,7.71070938 5.70273438,7.76083983 C5.70273438,7.81813179 5.71974267,7.8646808 5.75375977,7.90048827 C5.78777687,7.93629574 5.82805967,7.95419921 5.87460938,7.95419921 C5.92832059,7.95419921 5.99277307,7.92555366 6.06796876,7.86826171 C6.27207134,7.70712809 6.47796121,7.47796372 6.68564454,7.18076171 L6.87363282,7.30429687 C6.63014202,7.67669456 6.34368655,7.99000523 6.01425782,8.24423827 C5.77076702,8.43401787 5.53802195,8.52890624 5.31601563,8.52890624 C5.169205,8.52890624 5.04925177,8.48504275 4.95615235,8.39731444 C4.86305293,8.30958614 4.81650391,8.19947982 4.81650391,8.06699218 C4.81650391,7.93450454 4.86126258,7.7142919 4.95078126,7.40634765 L5.64902344,5.00009765 C5.76360735,4.60621547 5.82089844,4.35914763 5.82089844,4.25888671 C5.82089844,4.18011027 5.79314807,4.11565779 5.73764649,4.06552733 C5.68214491,4.01539688 5.60605518,3.99033202 5.50937501,3.99033202 C5.43059857,3.99033202 5.26767702,4.01002584 5.02060547,4.04941405 L5.02060547,3.8399414 L6.87363282,3.53916015 Z\" id=\"i\" fill=\"#717171\" \/>                 <\/g>             <\/g>         <\/g>     <\/g> <\/svg>             <\/span>     <span id=\"ttip-card-intro-aprs-id--3-desc\" role=\"tooltip\">       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% &#8211; 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.       <span><\/span>     <\/span>   <\/span>                                          <\/span>                 <\/p>\n<p>                                        <span>Purchases: 0% Intro APR for 15 billing cycles for purchases<\/span>                                    <\/p>\n<p>                                        <span>Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days<\/span>                                    <\/p>\n<p>                   <strong>Regular:<\/strong>                                        <span>18.24% &#8211; 28.24% (Variable)<\/span>                                    <\/p>\n<\/td>\n<td>\n<div>\n<p><a rel=\"sponsored noopener nofollow\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/bank-of-america-travel-rewards\/?from=108&#038;futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=btn-g-alts&#038;lclksec=alts_to_consider&#038;ord=3&#038;ltxt=Apply+Now+button+for+Bank+of+America%C2%AE+Travel+Rewards+credit+card\" target=\"_blank\" data-offer_order=\"3\" data-link_type=\"btn-g-alts\" data-slug=\"bank-of-america-travel-rewards\" data-click-section=\"alts_to_consider\" data-block_type=\"global_alts_to_consider\" data-block_order=\"7\" data-ftm_veh=\"evergreen_cc_alts\" aria-label=\"Apply Now button for Bank of America\u00ae Travel Rewards credit card\">                <span>Apply Now <span>for Bank of America\u00ae Travel Rewards credit card<\/span><\/span>                   <\/a><\/p>\n<p>On                        Bank of America&#8217;s            Secure Website<span aria-hidden=\"false\">.<\/span>         <\/p>\n<\/p><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/p><\/div>\n<p><h2 id=\"downsides-to-consider\">Downsides to consider<\/h2>\n<\/p>\n<div>\n<h3 id=\"no-ongoing-rewards\" data-block-key=\"irawc\">No ongoing rewards<\/h3>\n<p data-block-key=\"77kv6\">Once the 0% intro APR offer expires, the Wells Fargo Reflect\u00ae Card offers no ongoing rewards or incentives. That means if you&#8217;re looking for a card that offers long-term perks like <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/best-cash-back-credit-cards\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt\">cash back<\/a> or travel rewards, this card isn&#8217;t the best option.<\/p>\n<p data-block-key=\"bicjm\">A strong alternative would be the <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/wells-fargo\/wells-fargo-active-cash-card-review\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt\" data-slug=\"wells-fargo-active-cash\" data-action=\"read_review_click\">Wells Fargo Active Cash\u00ae Card<\/a> (<a target=\"_blank\" rel=\"noopener nofollow\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&#038;subproduct_code=AC&#038;FPID=0126D7I6F40000&#038;sub_channel=AFF&#038;vendor_code=IM\">rates and fees<\/a>), which offers straightforward 2% cash rewards on all purchases for a $0 annual fee &#8212; currently my favorite card in my wallet.<\/p>\n<h3 id=\"balance-transfer-fee\" data-block-key=\"kedgd\">Balance transfer fee<\/h3>\n<p data-block-key=\"8j132\">While the Wells Fargo Reflect\u00ae Card is among the longest 0% intro APR period cards, there&#8217;s also the balance transfer fee to consider. The card charges a fee of 5%, min: $5, which can be costly if you&#8217;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) &#8212; but you would have to pay a $500 transfer fee.<\/p>\n<p data-block-key=\"1m3ut\">You&#8217;ll have to run the numbers to see if eating the balance transfer fee is actually cheaper than paying interest. If you won&#8217;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.<\/p>\n<h3 id=\"foreign-transaction-fees\" data-block-key=\"0f3yw\">Foreign transaction fees<\/h3>\n<p data-block-key=\"dujeb\">The Wells Fargo Reflect\u00ae Card also charges a 3% foreign transaction fee, which means you&#8217;ll pay extra for purchases made outside of the U.S.<\/p>\n<p data-block-key=\"dfp54\">If you plan to travel abroad and want to avoid fees, consider <a href=\"http:\/\/www.fool.com\/money\/credit-cards\/best-travel-rewards-credit-cards\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt\">one of our favorite travel credit cards<\/a>.<\/p>\n<\/p><\/div>\n<p><h2 id=\"how-to-apply-for-the-creditcard-slugwells-fargo-reflect-fieldoffer_name_short\">How to apply for the Wells Fargo Reflect Card<\/h2>\n<\/p>\n<div>\n<p data-block-key=\"6qee5\">Applying for the Wells Fargo Reflect\u00ae Card is easy. Here&#8217;s what to do:<\/p>\n<ol>\n<li data-block-key=\"aor1b\">You can start the application process <a rel=\"sponsored noopener\" data-action=\"offer_click_apply\" data-slug=\"wells-fargo-reflect\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/wells-fargo-reflect\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt-sc&#038;lclksec=paragraph\" data-click-section=\"paragraph\">right here from this page<\/a>.<\/li>\n<li data-block-key=\"allc6\">Provide your personal and financial details, including your name, income, address, and Social Security number.<\/li>\n<li data-block-key=\"3n8pm\">Review the terms and conditions, and submit your application.<\/li>\n<li data-block-key=\"cobn8\">Wait for approval, then start enjoying the benefits of your new card.<\/li>\n<\/ol><\/div>\n<p><h2 id=\"final-thoughts\">Final thoughts<\/h2>\n<\/p>\n<div>\n<p data-block-key=\"y1wiw\">If you&#8217;re looking for a card with ongoing rewards or perks after the introductory period ends, the Wells Fargo Reflect\u00ae 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.<\/p>\n<p data-block-key=\"23sse\">Ready to make a dent in your debt? <a rel=\"sponsored noopener\" data-action=\"offer_click_apply\" data-slug=\"wells-fargo-reflect\" href=\"http:\/\/www.fool.com\/money\/offers\/credit-cards\/wells-fargo-reflect\/?futm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;lutm_campaign=ta-cc-co-cnn-welref2-ron-5-hp-sfpb&#038;futm_medium=cpc&#038;lutm_medium=cpc&#038;futm_site=theascent&#038;lutm_site=theascent&#038;futm_source=cnn&#038;lutm_source=cnn&#038;luri=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;furi=%2Fcredit-cards%2Fwells-fargo%2Fwells-fargo-reflect-card-review%2F&#038;fuuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;luuid=8ea613bf-d05f-48f4-b79a-16f8afed09cb&#038;ltyp=txt-sc&#038;lclksec=paragraph\" data-click-section=\"paragraph\"><b>Apply for the<\/b> <b>Wells Fargo Reflect\u00ae Card<\/b> <b>today<\/b><\/a> &#8212; awarded Motley Fool Money&#8217;s Best 0% Intro APR Card of 2025.<\/p>\n<\/p><\/div>\n<section>\n<ul>\n<li data-conditional-accordion=\"false\">\n<div aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-label=\"Review sources\">\n<p href=\"http:\/\/www.fool.com\/#faq_1_10aa1f09-2a1f-4ba9-9895-eecabf1d01af\">\n<h2 id data-block-key=\"hw9xh\">Review sources<\/h2>\n<\/p><\/div>\n<\/li>\n<\/ul>\n<\/section>\n<section>\n<h2 id=\"qa-list-730e0a78-b978-4caa-ab80-825780174188\">FAQs<\/h2>\n<ul>\n<li>\n<div id=\"faq_1_730e0a78-b978-4caa-ab80-825780174188\">\n<p data-block-key=\"i0jy0\">No, the Wells Fargo Reflect\u00ae Card has a $0 annual fee.<\/p>\n<\/p><\/div>\n<\/li>\n<li>\n<div id=\"faq_2_730e0a78-b978-4caa-ab80-825780174188\">\n<p data-block-key=\"iwdqm\">The card offers 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases.<\/p>\n<\/p><\/div>\n<\/li>\n<li>\n<div id=\"faq_3_730e0a78-b978-4caa-ab80-825780174188\">\n<p data-block-key=\"iwdqm\">No, the card does not offer any rewards.<\/p>\n<\/p><\/div>\n<\/li>\n<li>\n<div id=\"faq_4_730e0a78-b978-4caa-ab80-825780174188\">\n<p data-block-key=\"wtqrz\">The Wells Fargo Reflect\u00ae Card charges a balance transfer fee of 5%, min: $5. There&#8217;s also a 3% foreign transaction fee.<\/p>\n<p data-block-key=\"e0j9a\">Other fees for things like cash advances and late payments may also apply. Check the card&#8217;s terms for details.<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/section><\/div>","protected":false},"excerpt":{"rendered":"<p>The Wells Fargo Reflect\u00ae Card (see rates and fees) is designed for people who want some breathing room from interest [&hellip;]<\/p>","protected":false},"author":5,"featured_media":49234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[95],"tags":[],"class_list":["post-49233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-the-gioi-vi"],"acf":[],"_links":{"self":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/posts\/49233","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/comments?post=49233"}],"version-history":[{"count":0,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/posts\/49233\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/media\/49234"}],"wp:attachment":[{"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/media?parent=49233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/categories?post=49233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hbbgroup.net\/vi\/wp-json\/wp\/v2\/tags?post=49233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}