Pay No Interest into 2028 — One of the Longest 0% Intro APR Offers
- Nearly two years of 0% intro APR on purchases and balance transfers
- Built for paying down debt, not collecting points
- One of the longest combined intro APR periods on the market with $0 annual fee
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Carrying high-interest credit card debt can feel like a never-ending cycle. You're paying every month, but your balance barely moves because of interest charges.
Here's what that could actually cost: on a $15,000 balance at a 23% APR, interest charges alone could reach over $3,000 a year. The Wells Fargo Reflect® Card (Rates and fees) could help you stop that cycle — for nearly two years.
You'll get 0% intro APR for 21 months from account opening on both purchases and qualifying balance transfers (then APR is 17.49%, 23.99%, or 28.24% Variable) — all with no annual fee. If you want to say goodbye to high interest charges, then it's worth a serious look.
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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%, 21 billing cycles
0%, 21 billing cycles for any balance transfers made in the first 60 days
Credit Score
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0%, 21 billing cycles
0%, 21 billing cycles
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.
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$0 annual fee.