rss-bridge 2026-03-01T01:45:59.939249302+00:00

0% intro APR until 2024 is 100% insane

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- Best Wells Fargo Credit Cards

Wells Fargo Reflect® Card Review: Great for Paying Off Debt, but Not for Rewards

Review

Updated
Jan. 20, 2026

[Image: Ryan Wilcox]

Author:
Ryan Wilcox

[Image: Ryan Wilcox]

Ryan Wilcox

Full-Time Personal Finance Writer

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

The Wells Fargo Reflect® Card (rates and fees) is designed for people who want some breathing room from interest -- whether that means paying down debt or financing a larger purchase. It's one of the most competitive 0% intro APR cards you'll find, which can make a real difference if you're trying to get ahead.

I've been a Wells Fargo banking customer and cardholder for years, and I've always appreciated how seamless it is to manage payments right from my account. It makes staying on top of debt that much easier.

The Wells Fargo Reflect® Card doesn't pile on extras like rewards, but if your goal is to stop interest in its tracks, it's a slam dunk. In this review, I'll walk through what makes it stand out, and what to consider before applying.

[Image: Wells Fargo Reflect® Card]

Apply Now for Wells Fargo Reflect® Card

Wells Fargo's
Secure Website

Rates & Fees
[Image: External Link Icon]

[Image: Award Icon]
2026 Award Winner

####

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

Wells Fargo's
Secure Website

Rates & Fees
[Image: External Link Icon]

[Image: Wells Fargo Reflect® Card]

5.00/5

We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.

= Best

= Excellent

= Good

= Fair

= Poor

5.00/5

We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.

= Best

= Excellent

= Good

= Fair

= Poor

Credit Score:

Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Wells Fargo Reflect® Card

Wells Fargo's
Secure Website

Rates & Fees
[Image: External Link Icon]

Credit Score

Good/Excellent (670-850)

Intro APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR for 21 months from account opening on purchases

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.49%, 23.99%, or 28.24% Variable APR

Rewards

N/A

Annual Fee

Welcome Offer

N/A

This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, this card is hard to beat.

- Long 0% intro APR offer
- No annual fee
- Cellphone protection

- Balance transfer fee
- Foreign transaction fee
- No rewards program

- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

What I like about the Wells Fargo Reflect Card

#### Long 0% intro APR period

If you're in an uphill battle against a mountain of debt, the Wells Fargo Reflect® Card is absolutely a card to consider. The biggest benefit of the card is 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (a go-to 17.49%, 23.99%, or 28.24% Variable APR applies after the intro period). That's one of the longest 0% APR periods you'll find.

That means you'll have nearly two years to pay off your balance without incurring interest. When you're looking to get out from under debt, this card is hard to beat.

#### $0 annual fee

The Wells Fargo Reflect® Card doesn't charge an annual fee, which makes it easier to keep in your wallet without worrying about extra costs. For those who want to build their credit history or, like me, prefer holding onto a top credit card long term, this is a great perk.

Keeping the card open can also positively impact your credit score by increasing the length of your credit history.

#### Cellphone protection

Another nice perk of the Wells Fargo Reflect® Card is cellphone protection. If you pay your monthly cellphone bill using the card, you'll be eligible for up to $600 in coverage for theft or damage to your phone. This benefit can be used up to two times a year and is subject to a small deductible.

I've never had to use it, but as a Wells Fargo cardholder I've always loved the idea of this perk -- especially as a frequent phone-dropper and generally clumsy person.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

[Image: Logo for Discover it® Cash Back]

Discover it® Cash Back

Apply Now for Discover it® Cash Back

Discover's
Secure Website

Rates & Fees
[Image: External Link Icon]

5.00/5

We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.

= Best

= Excellent

= Good

= Fair

= Poor

Best for cash back on rotating categories

Discover will match all the cash back you’ve earned at the end of your first year.

INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

1% - 5% Cashback

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular:

17.49% - 26.49% Variable APR

Apply Now for Discover it® Cash Back

Discover's
Secure Website

Rates & Fees
[Image: External Link Icon]

[Image: Logo for Wells Fargo Reflect® Card]

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

Wells Fargo's
Secure Website

Rates & Fees
[Image: External Link Icon]

5.00/5

We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.

= Best

= Excellent

= Good

= Fair

= Poor

Best for long 0% intro APR

N/A

Intro:

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR for 21 months from account opening on purchases

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular:

17.49%, 23.99%, or 28.24% Variable APR

Apply Now for Wells Fargo Reflect® Card

Wells Fargo's
Secure Website

Rates & Fees
[Image: External Link Icon]

[Image: Logo for Bank of America® Travel Rewards credit card]

Bank of America® Travel Rewards credit card

Apply Now for Bank of America® Travel Rewards credit card

Bank of America's
Secure Website

4.70/5

We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.

= Best

= Excellent

= Good

= Fair

= Poor

Best for unlimited rewards on purchases

25,000 points (worth $250 travel credit)

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

1.5-3 points per dollar

Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro:

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular:

17.49% - 27.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

Bank of America's
Secure Website

These cards are designed for people looking to pay off a large purchase or transfer a balance — so our ratings emphasize interest-free periods, fee structures, and how much time you really get to pay things down.

Our highest-rated 0% APR cards have:

- Extended intro APR periods on purchases or balance transfers
- Low or waived balance transfer fees
- Solid ongoing value beyond the intro period, like no annual fee
- Top-of-market features that stand out from competitors

We don’t penalize cards for a lack of long-term rewards here – this category is all about interest savings, and our ratings reflect that.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best high limit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring high limit credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

Our highest-rated 0% APR cards have:

We don’t penalize cards for a lack of long-term rewards here – this category is all about interest savings, and our ratings reflect that.

Downsides to consider

#### No ongoing rewards

Once the 0% intro APR offer expires, the Wells Fargo Reflect® Card offers no ongoing rewards or incentives. That means if you're looking for a card that offers long-term perks like cash back or travel rewards, this card isn't the best option.

A strong alternative would be the Wells Fargo Active Cash® Card (rates and fees), which offers straightforward 2% cash rewards on purchases for a $0 annual fee -- currently my favorite card in my wallet.

#### Balance transfer fee

While the Wells Fargo Reflect® Card is among the longest 0% intro APR period cards, there's also the balance transfer fee to consider. The card charges a fee of 5%, min: $5, which can be costly if you're transferring a large balance. For example, transferring a balance of $10,000 to this card would let you pay it off at 0% interest (within the intro period) -- but you would have to pay a $500 transfer fee.

You'll have to run the numbers to see if eating the balance transfer fee is actually cheaper than paying interest. If you won't take full advantage of the 0% intro APR for 21 months from account opening on qualifying balance transfers (then 17.49%, 23.99%, or 28.24% Variable APR) to pay off your balance, it might be worth considering another card with a lower balance transfer fee.

#### Foreign transaction fees

The Wells Fargo Reflect® Card also charges a 3% foreign transaction fee, which means you'll pay extra for purchases made outside of the U.S.

If you plan to travel abroad and want to avoid fees, consider one of our favorite travel credit cards.

How to apply for the Wells Fargo Reflect Card

Applying for the Wells Fargo Reflect® Card is easy. Here's what to do:

- You can start the application process right here from this page.
- Provide your personal and financial details, including your name, income, address, and Social Security number.
- Review the terms and conditions, and submit your application.
- Wait for approval, then start enjoying the benefits of your new card.

Final thoughts

If you're looking for a card with ongoing rewards or perks after the introductory period ends, the Wells Fargo Reflect® Card might not be the best fit. Otherwise, the card is a strong choice for those looking to pay off debt or finance a large purchase as one of the most competitive 0% intro APR cards.

Ready to make a dent in your debt? Apply for the Wells Fargo Reflect® Card today -- awarded Motley Fool Money's Best 0% Intro APR Card of 2026.

Review sources

- https://creditcards.wellsfargo.com/reflect-visa-credit-card/
- https://creditcards.wellsfargo.com/active-cash-credit-card/

FAQs

No, the Wells Fargo Reflect® Card has a $0 annual fee.

The card offers 0% intro APR for 21 months from account opening on qualifying balance transfers and purchases.

No, the card does not offer any rewards.

The Wells Fargo Reflect® Card charges a balance transfer fee of 5%, min: $5. There's also a 3% foreign transaction fee.

Other fees for things like cash advances and late payments may also apply. Check the card's terms for details.

We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.

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Motley Fool Stock Disclosures

Citigroup is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Target and Visa. The Motley Fool has a disclosure policy.

The Motley Fool owns shares of and recommends Visa.

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