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⚖ Add to comparisonWells Fargo · Visa
Wells Fargo Reflect Card
The Reflect is a payoff tool, not a rewards card: it offers up to 21 months at 0% on purchases and qualifying balance transfers, one of the longest stretches on the market as of 2026. If you're carrying $5,000, that's nearly two years to clear it at zero interest, though a balance-transfer fee (often 3-5%) applies up front and there are no rewards to earn. Don't pick it if you pay in full each month, since you'd be leaving cash back on the table versus almost any rewards card. The 3% foreign fee makes it a domestic-only tool; confirm the current intro length and transfer fee on Wells Fargo's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Among the longest 0% intro stretches you can find
- ✓A cell phone protection benefit
- ✓Carries no yearly fee
👍 Pros
- + A very long 0% intro APR
- + Carries no yearly fee
- + Well suited to clearing debt
👎 Cons
- – There are no rewards
- – A balance transfer fee applies
- – Tacks on a 3% fee for foreign transactions
Can you get it?
- ▸A credit score in the good-to-excellent range
- ▸Balance transfers have to be made inside the intro window
- ▸Typically one Wells Fargo bonus every 16 months
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Wells Fargo Reflect Card?
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