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
None
No welcome offer; 21-month 0% intro APR confirmed
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.
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 |
|---|---|---|---|---|
| 2026-11-09 | 0 | No recorded spend | Terms reconfirmedFreshness-rotation reconfirmation: Experian, NerdWallet and Motley Fool's 2026 listings still show the 21-month 0% intro APR on purchases and qualifying balance transfers, a 5% balance transfer fee and a 3% foreign transaction fee, with no welcome bonus. No change. The bank's own domain is blocked in this sandbox. | Archive record · no attached snapshot |
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmedNo welcome offer; 21-month 0% intro APR confirmed | Wells Fargo Reflect product page → |
| 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 ledger- confirmed
21-month 0% intro APR, $0 fee, cell phone protection $600 confirmed; 3% FX and 5% BT fee per terms
Fields: applyUrl
Wells Fargo Reflect product page →
Source checked 2026-11-09 · spot an outdated offer? Report a correction above.
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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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