Wells Fargo Reflect Card Review
Wells Fargo · Anyone needing maximum time to pay off debt interest-free
4.4 / 5 (987 reviews)
Annual Fee
No annual fee
Rewards
No rewards
Regular APR
17.74% – 29.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
The card with the longest potential 0% APR period available — up to 21 months, extendable to 24 months by making on-time minimum payments. The added cell phone protection benefit (up to $600) is a valuable bonus rarely found on balance transfer cards. Ideal for anyone tackling a large purchase or debt payoff over a longer timeline.
Pros
- Up to 21 months 0% APR (extendable to 24)
- Cell phone protection
- No annual fee
- Covers purchases and balance transfers
Cons
- No rewards
- 3% foreign transaction fee
- 5% balance transfer fee
Key Benefits & Perks
No annual fee
21 months 0% APR on purchases and qualifying balance transfers
Up to 3 months extension for on-time payments (24 months total)
Cellphone protection up to $600
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Customer Reviews
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