Wells Fargo Reflect® Credit Card Review | CompareCredit Expert Review
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Put one of the longest 0% APR offers to work for you

Bottom Line:

  • on both purchases and qualifying balance transfers. Sign up online today and you won't pay any interest at all until 2024. The 21 month period starts when you open the account and applies to all qualifying balance transfers.
  • after the introductory period
  • $0 annual fee.
  • Click, "Apply Now" to apply online

Balance transfer credit cards are basically measured by a single standard — time. It’s all about how much time they give you to pay down debt without interest. By that standard, the top balance transfer offer around is obvious. And the  is it.

The best balance transfer you’re likely to find

This card currently offers a on both purchases and qualifying balance transfers — that’s 0% until nearly 2024. It’s a best-in-class deal that’s simply unprecedented in today’s market.

Here’s the breakdown of this premier balance transfer card:

  • on purchases and qualifying balance transfers
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card*
  • after the introductory period
  • $0 Annual Fee

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 – this card offers on purchases and qualifying balance transfers.

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, . 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.

Up to $600 of cell phone protection

Chances are pretty good that you’re reading this article on the screen of your smart phone. Wouldn’t it be helpful to get a little cash for something we all use every day? Lucky for you, by simply paying your monthly cellular telephone bill with your , you’ll get up to $600 of protection on your cell phone against covered damage or theft.*

Can you do any better with a 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.

Remember, for balance transfer cards it’s all about time. We suggest not wasting any time waiting to apply for the premier balance transfer card on the market. Then take 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.

Who Should Get This Card


  • The Wells Fargo Reflect® Card is a great fit for those who want to max out the time they have to pay down an existing balance without worrying about interest.
  • Consumers who still need to do some significant shopping while waiting to pay down old balances will love the 0% intro APR for nearly two years