Wells Fargo Reflect℠ Card | CompareCredit Expert Review

Pay 0% Interest Until Nearly 2024. Really.

Bottom Line:

  • NEW 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
  • 12.99%-24.99% Variable APR after the introductory period
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card*
  • $0 annual fee

Tackling the holiday debt that so many of us rack up when gift-giving season gets underway can be tricky. Fortunately, there's a brand-new credit card offer that has come along at just the right time. With the Wells Fargo Reflect Card, you can essentially freeze the interest payments you've been making on holiday debt by doing a well-timed balance transfer.

How Exactly Does a Balance Transfer Change the Game?

Here's how. The Wells Fargo Reflect Card , currently offers a 0% introductory APR on both purchases and qualifying balance transfers for up to 21 months —that's 0% until nearly 2024. So, you can pay down your current holiday debt for nearly two years without ever having to make another interest payment over that period of time.


(4,311 reviews)

Apply Now

on Wells Fargo's secure site

Rates & Fees

A Look Inside the Numbers

Sharp financial minds know the devil's in the details. So, let's take a closer look at how this extra-long 0% APR balance transfer deal is structured. To start with, this card offers 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Then, as long as you continue to make on-time minimum payments, that 0% APR extends up to 3 months for a grand total of 21 months interest-free.

That's just shy of two years to pay down your balance, without the worry of more interest accumulating. After the lengthy intro period is up, your variable APR will fall between 12.99% to 24.99%. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a balance transfer fee of up to 5%, minimum of $5.

Can You Do Any Better with a Different Balance Transfer Card?

In short, we don't think so. On top of almost two years at 0% APR on both purchases AND balance transfers plus great perks like the credit toward cell phone protection, you get to take advantage of this offer while paying no annual fee.

Ready to start driving down holiday debt? We suggest applying for the premier balance transfer card on the market. Then taking your time to pay down your balance with no additional interest for up to 21 months. See if you are approved simply by clicking here.

*After a $25 deductible


Each month, the CompareCredit team reviews over 100 credit card offers examining the features most valuable to consumers including rewards, sign-up bonus, the interest rate, fees and other features to identify the best offers shown here.