Wells Fargo Reflect Card review

Reflect gives the longest combined intro period on this list: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a variable APR of 17.74%, 24.24% or 28.49% depending on creditworthiness. Transfers requested within 120 days of opening qualify, which is a wider window than Citi's 4 months or U.S. Bank's 60 days. The trade-off is the fee. Wells Fargo's credit terms list 5% for each balance transfer with a $5 minimum, so moving $5,000 costs $250, against $150 at a 3% card. Because purchases also get 21 months at 0%, Reflect suits someone who needs to finance a necessary expense while paying down existing debt, without the purchase interest trap that comes with transfer-only offers. The card has no annual fee and adds cellular telephone protection of up to $600 per claim with a $25 deductible, plus roadside dispatch. It does not earn rewards, and foreign currency conversions carry a 3% fee.

Who it is for

People who need 21 months at 0% on a transferred balance and on new purchases

Price

$0 annual fee.

The Wells Fargo Reflect Card has no annual fee.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
• Balance transfers made within 120 days of account opening qualify for the intro rate
• Balance transfer fee of 5% ($5 minimum)
• Cellular telephone protection up to $600 per claim, $25 deductible
• Variable APR of 17.74%, 24.24% or 28.49% after the intro period

Strengths and weaknesses

• Strength: Same 21 month 0% window for purchases and balance transfers
• Strength: Generous 120 day window to make qualifying transfers
• Strength: Built-in cell phone protection
• Weakness: 5% transfer fee is higher than the 3% intro fees at Citi and Chase
• Weakness: 3% fee on foreign currency conversion
• Weakness: No rewards on spending

Key facts

• Annual fee: $0
• Intro APR: 0% for 21 months on purchases and qualifying balance transfers
• Transfer window: 120 days from account opening
• Balance transfer fee: 5% ($5 minimum)
• APR after intro: 17.74%, 24.24% or 28.49% variable

Where it ranks

Wells Fargo Reflect Card is No. 2 in our Best Balance Transfer Credit Cards verdict.