Wells Fargo Reflect

A card built for one job: a long 0% intro APR on purchases and qualifying balance transfers, with no rewards.

Who it's for

This card is for you if you have credit card debt you want to pay down, or a large purchase you need time to pay off. It offers 0% intro APR for 21 months on purchases and qualifying balance transfers, and there's no annual fee. That's a long window to clear a balance without paying interest, which can save you hundreds of dollars compared with a regular card.

Who should skip it

Skip it if you pay your balance in full every month, because the card has no rewards and a 2% cash back card would earn you more. Skip it if you're likely to keep adding new spending while you pay off old debt; moving a balance only helps if the total keeps going down. The regular APR after the intro period is high.

How to get the most from it

Move your highest-interest balance first, after checking the transfer fee on Wells Fargo's page. Divide the total by 21 and set up an automatic payment for at least that amount each month so you're debt-free before the regular APR starts. Put the card away for new purchases unless you can pay them off within the same window. Once the balance is gone, you can keep the account open to help your credit history and use a rewards card for spending.

Pros

• 0% intro APR for 21 months on purchases and qualifying balance transfers
• No annual fee
• Good tool for paying down debt

Cons

• No rewards
• High regular APR after the intro period
• Balance transfers usually carry a fee

Frequently asked questions

How long is the Wells Fargo Reflect 0% APR?

21 months on purchases and qualifying balance transfers, per Wells Fargo's page. Check the current terms before you apply.

Is the Reflect good for paying off debt?

Yes, if you have a plan to pay the balance off within 21 months. lemonope's free credit card payoff calculator can show you how much to pay each month.

Does the Wells Fargo Reflect have rewards?

No. It's designed for its long intro APR, not for earning.

What happens when the intro APR ends?

Any remaining balance starts to collect interest at the regular APR.