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.

Wells Fargo Reflect Card at a glance

Rewards & perks

• 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

Who should apply

• 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

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Wells Fargo site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.