Get Almost Two Years Interest-Free With the Wells Fargo Reflect® Credit Card
KEY POINTS
- If you're looking to finance a large purchase or transfer an existing balance without paying interest, this is the card for you.
- Get up to $600 in cellphone protection.
- An intro APR offer for nearly two years can save you hundreds or thousands of dollars on interest.
If you're looking for a credit card that gives you a break from paying interest, the Wells Fargo Reflect® Card (see rates and fees) might be exactly what you need. With one of the longest 0% intro APR offers that we've found, this card is perfect for anyone who wants to save money on interest while paying down debt or financing big purchases.
Let's break down why this card deserves a spot in your wallet.
Enjoy 0% interest for 21 months from account opening
The Wells Fargo Reflect® Card offers an introductory 0% APR for 21 months from account opening on purchases and qualifying balance transfers. After the intro period, the go-to 17.24%, 23.74%, or 28.99% Variable APR applies.
That's almost two years with no interest. If you're planning a big purchase or want to chip away at existing credit card debt without racking up more interest, this card gives you plenty of time to do it.
Why this 0% intro APR period stands out
Most credit cards that offer 0% intro APR periods charge zero interest for 12 to 15 months. With the Wells Fargo Reflect® Card, you could get nearly two full years interest free to pay off a large purchase like a new appliance or home renovation.
And think of the savings if you currently have a $5,000 credit card balance that you transfer to the Wells Fargo Reflect® Card. At the national average interest rate of 24.21% as of February 2025, you'll pay almost $2,000 more in interest than if you transferred your balance to the Wells Fargo Reflect® Card and paid it off within the 0% intro period.
2025 Award Winner Wells Fargo Reflect® Card
On Wells Fargo's Secure Website.
Rates & Fees 
On Wells Fargo's Secure Website.
Rates & Fees
Good/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.
- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Free FICO® Score
- Balance transfer fee
- Foreign transaction fee
- No rewards program
- 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. 17.24%, 23.74%, or 28.99% 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.
Low balance transfer fees make paying off debt cheaper
The card's balance transfer fee is 5%, min: $5, whichever is greater. While a $0 balance transfer fee would be ideal, this is fairly standard. Given the extra-long 0% APR period, the potential interest savings can easily outweigh this upfront cost.
Just remember: Balance transfers must be completed within 120 days of account opening to qualify for the intro rate.
Perks beyond the intro APR
While the standout feature of the Wells Fargo Reflect® Card is the long 0% intro APR window, there are a few extra perks that sweeten the deal:
- Cellphone protection: Pay your monthly phone bill with the card, and you're eligible for up to $600 in protection (subject to a $25 deductible) against damage or theft.
- $0 annual fee: There's no annual fee, so you won't pay just to carry the card.
Get out of credit card debt interest free. Apply for the Wells Fargo Reflect® Card now.
Who should consider the Wells Fargo Reflect® Card?
This credit card is an excellent fit if you:
- Need extra time to pay off large purchases interest free
- Want to consolidate high-interest debt
- Could benefit from cellphone protection
If you're hoping for travel rewards or cash back, this might not be the best match. But if saving money on interest is your top priority, it's hard to beat what the Wells Fargo Reflect® Card offers.
Bottom line: A top pick for long-term 0% intro APR
The Wells Fargo Reflect® Card is all about giving you time to pay off purchases or tackle debt without interest charges piling up.
With a $0 annual fee, built-in perks like cellphone protection, and one of the longest intro APR offers available, this card delivers serious value.
If you're looking for a flexible, low-cost way to manage expenses and save on interest, the Wells Fargo Reflect® Card is a smart pick.
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
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