01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
—
1 credit
Median FICO
—
Approved
Median income
—
Approved
Our take
The Wells Fargo Reflect card offers a standout 21-month 0% intro APR on both purchases and balance transfers, making it a top choice for those looking to manage existing debt or finance a large purchase interest-free. With no annual fee, it's a cost-effective option for those focused solely on paying down balances. However, the card doesn't earn any rewards, so once the intro period ends, it may not have much appeal for everyday use. The card does offer up to $600 in cell phone protection, which can be a nice perk if you pay your phone bill with it. Overall, it's a strategic choice for the intro APR, but not a long-term keeper.
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Apply now02 · earn & credits
Earn rates & credits
Earn rates
No rewards listed.
Statement credits
| Credit | Value |
|---|---|
Cellular Telephone Protection Up to $600 reimbursement for cell phone damage or theft (up to 2 claims per 12 months, $25 deductible). | $600 |
03 · card details
Card details
Regular APR | 17.49%–28.24% variable |
Intro APR on purchases | 0% for 21 months |
Intro APR on balance transfers | 0% for 21 months |
Foreign transaction fee | Yes |
04 · approval odds
Approval odds
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06 · reading