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Credit Cards

Wells Fargo announces Reflect card with 0% intro APR up to 21 months and no annual fee

The Reflect card comes with a generous intro 0% APR period, cell phone protection and no annual fee.

@FotoArtist | Twenty20

Wells Fargo launched a credit card geared toward consumers who need an extended period of purchasing flexibility. With up to 21 months 0% APR intro period (after, 16.74% - 28.74% variable APR), the Wells Fargo Reflect® Card allows cardholders to finance their purchases for nearly two years without any interest charges.

This up to 21-month timeframe could potentially be the longest 0% APR intro period of any card available on the market today.

But is the Reflect Card right for you? Select analyzed the card's benefits to see if it might be a good fit for your wallet.

Wells Fargo introduces Reflect card

Wells Fargo Reflect® Card

On Wells Fargo's secure site
  • Rewards


  • Welcome bonus


  • Annual fee


  • Intro APR

    0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.

  • Regular APR

    16.74% - 28.74% variable APR on purchases and balance transfers

  • Balance transfer fee

    Introductory fee of 3% for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fee


  • Credit needed


See rates and fees and our methodology, terms apply.


  • No annual fee
  • Long introductory APR period up to 21 months on purchases and qualifying balance transfers
  • 3% intro balance transfer fee ($5 minimum) for first 120 days
  • Access to Visa Signature Concierge
  • Get up to $600 cell phone protection (subject to a $25 deductible)
  • Access to My Wells Fargo Deals to earn cash back in the form of an account credit when shopping, dining


  • No rewards
  • No welcome bonus
  • 3% fee charged on foreign transactions

The card isn't flashy, but the opportunity to save on credit card interest can be excellent for consumers needing spending flexibility — especially with the holidays approaching.

The Wells Fargo Reflect® Card offers great benefits, including: 

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. You can receive an intro APR extension for three months with on-time minimum payments during the intro period. After the introductory period, the interest rate will increase to 16.74% - 28.74% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.
  • Cell phone protection, up to $600 against damage or theft when you pay your monthly cell phone bill with the card. Claims will have a $25 deductible.
  • Access to My Wells Fargo Deals, an opt-in account credit for specific retailers, giving cardholders discounts on purchases made with their Reflect card.
  • $0 annual fee.

The three-month extension gives cardholders up to 21 months of no interest, which means if you open the card this month, you won't have to pay interest until well into 2024.

The card does not offer any rewards for spending or a welcome bonus, so it's really best for those who aren't seeking credit card rewards. But the interest savings could be incentive enough to select the Wells Fargo Reflect.

How to pick a 0% intro APR card

A 0% intro APR card like the Wells Fargo Reflect Card is an excellent tool to help you eliminate credit card debt without paying hefty interest charges. Here are a few things to consider when deciding to open a card with a 0% intro APR:

  • Term of intro APR: Consider how long you want the 0% interest period to last, because every 0% card offers something different. For example, the U.S. Bank Visa® Platinum Card has 0% intro APR for 18 billing cycles (after, 18.24% - 28.24% variable APR). While a longer intro APR term is nearly always better, it is not the only thing to consider, especially if you don't need the entire length of the term to pay down your balance.
  • Spending incentives and welcome bonus: Some 0% intro APR cards come with incentives to spend on them. For example, the Chase Freedom Unlimited® has a 0% introductory APR for the first 15 months on new purchases and balance transfers (after, 18.74% - 27.49% variable APR). There's an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that it's either $5 or 5% of the amount of each transfer, whichever is greater. In addition, the card offers 5% cash back on Chase Travel purchased through Ultimate Rewards®, 3% back on drugstore purchase and on dining at restaurants (including takeout and eligible delivery services) and 1.5% back on all other eligible purchases. And to cap it off, new cardholders can earn an extra 1.5% on everything they buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
  • Balance transfer fee: If you plan on transferring a balance from a high interest credit card to a credit card with zero interest, be sure to consider the balance transfer fee. It's typically 3% to 5% of the balance. This fee can be worth paying if you have a large balance on a card that's currently charging you interest, but make sure to do the math.

Bottom line

Americans spend hundreds of billions each year in credit card interest charges, and it's always best to avoid paying these when possible. The Wells Fargo Reflect® Card is an excellent choice for someone looking for repayment flexibility and who wants to avoid paying credit card interest for a significant amount of time.

However, if you're looking for a card with more perks, like the ability to earn cash back or travel rewards, there are plenty of other options to choose from. Some even have their own 0% APR intro periods.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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