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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. 17.74%, 24.24%, or 28.49% 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.
Why You'll Love The Wells Fargo Reflect® Card
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 17.74%, 24.24%, or 28.49% 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.
» Click here to apply now and pay an intro 0% APR until 2027
We think the Wells Fargo Reflect® Card is tough to beat, but if you'd like to explore other options, here are three great alternatives.
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
- Thereafter, you’ll earn unlimited 1.5% on all purchases, with no expiration on rewards as long as your account remains open.
- With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back with Preferred Rewards. The Preferred Rewards bonus does not apply to the .5% first-year bonus.
- No annual fee.
- 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 17.74% - 27.74% 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 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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0%, 15 months
0%, 15 months
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. 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.
- 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.
- Redeem cash back for any amount
- Apply now and you could get a decision in as little as 90 seconds. No annual fee.
- Start shopping and earning rewards in minutes with your virtual card, before your physical card arrives in the mail, if eligible.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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0%, 12 months from date of account opening
0%, 21 months from date of account opening
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 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 17.74% - 28.49%, 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).
- Stay protected with Citi® Quick Lock
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$0 annual fee.
How we chose these cards
FinanceBuzz evaluated a selection of cards from our partners, looking at various criteria including length of intro APR period, fees, and bonus offers. We did not review all cards in the category and compensation was considered when evaluating and ordering the cards.