VisaWells Fargo Reflect Card
21 months of 0% APR. That is the whole pitch, and it is the best one.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦0% intro APR for 21 months on purchases and qualifying balance transfers made within 120 days
- ✦Cell phone protection up to $600 per claim, two claims per year
- ✦My Wells Fargo Deals merchant offers
Why it earns its spot
- +Longest widely available 0% intro window in the market
- +Covers both purchases and balance transfers
Where it costs you
- −Earns nothing once the intro period ends
- −5% balance transfer fee and a 3% foreign transaction fee
The Compound Verdict
The category king for interest avoidance. Nearly two years of 0% on purchases and transfers is the longest runway any major issuer offers, which makes this the default pick for financing a big purchase or digging out of debt. Once the intro clock runs out it earns nothing, so plan to sock drawer it.
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