Wells Fargo Reflect Card
By Alex Compton · Last verified
21 months of 0% APR. That is the whole pitch, and it is the best one.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2022-01 | 0 | No recorded spend | Earliest recordNo welcome offer, intro APR has ranged 18 to 21 months | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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