This Card Could Help You Get Out of High-Interest Debt Into 2028!
- FinanceBuzz Award-winning card recognized for its exceptional 0% intro APR offer
- Lengthy introductory no-interest period on both purchases and qualifying balance transfers
- No annual fee
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It doesn't matter why you're dealing with high interest debt. Life happens. But you don't have to live in pain forever. The Wells Fargo Reflect® Card(Rates and fees) offers a clear path out of the mess with 0% intro APR into 2028. Read on to learn how this card could help ease the pressure.
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
- 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 You Need To Know:
If your top priority is getting out of high interest debt, the Wells Fargo Reflect® Card could be the perfect fit. The 0% intro APR runs for nearly 2 years on purchases and qualifying balance transfers, making it a powerful tool to potentially help eliminate high-interest debt. Simply transfer your existing debt to your new card, then make regular payments without the burden of high interest so you could pay off your debt faster. After the 21 months from account opening intro period, the APR is 17.49%, 23.99%, or 28.24% Variable.
More benefits and perks:
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My Wells Fargo Deals: Cardholders can access discounts from various retailers and merchants. You do have to activate the deals and use your Wells Fargo credit card to receive statement credits through this program, but there is no cost to use it, and it's an easy way to save a little money.
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Roadside dispatch: Cardholders receive access to a pay-per-use roadside assistance program. The program provides towing, tire changing, lockout service, fuel delivery, and more.
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Cell phone protection: If you pay your eligible monthly cell phone bill with this card, you receive protection for any phones on that plan. This acts like cell phone insurance and covers against damage or theft for up to $600 per claim, with a $25 deductible. There is an allowable maximum of two paid claims per 12-month period.
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$0 annual fee: The Wells Fargo Reflect has a $0 annual fee, which means you don't have any yearly cost to offset, making it more cost-effective.
» Apply for the Wells Fargo Reflect® Card.
How The Wells Fargo Reflect® Card Stacks up
With its lengthy intro APR offer and no annual fee our experts think the Wells Fargo Reflect® Card(Rates and fees) is tough to beat. But how does it stack up against the competition? See a side-by-side comparison below.
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0%, 21 months from account opening
0%, 21 months from account opening on qualifying balance transfers
Credit Score
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
Credit Score
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0%, 21 billing cycles
0%, 21 billing cycles for any balance transfers made in the first 60 days
Credit Score
Bottom Line: Who Is This Card Best For?
The Wells Fargo Reflect® Card is a great choice for anyone who:
- Has good to excellent credit: The Wells Fargo Reflect® Card is a good choice for applicants with a credit score of 670+.
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Wants a long intro APR period: Many cards simply can't compete with 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. This is great if your main goal is to tackle high-interest debt or help finance a large purchase. After the intro period, the go-to APR is 17.49%, 23.99%, or 28.24% Variable.
» Click here to apply now and pay an intro 0% APR into 2028
- 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR
- Up to $600 cell phone protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your card
- $0 annual fee
- Apply Now
- 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.
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Intro Offer
Benefit from a long introductory APR period on purchases and qualifying balance transfers
Annual Fee
$0
Why we like it
Other Cards You Might Like:
The Wells Fargo Reflect® Card is hard to beat with its notable extra-long intro APR period and $0 annual fee. But, if you want to consider other options, here are some contenders:
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
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0%, 21 billing cycles
0%, 21 billing cycles for any balance transfers made in the first 60 days
- New! 0% Intro APR for 21 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 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.
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$0 annual fee.