Wells Fargo Reflect® Review: Pay Off Your Debt in 21 Months, Interest Free

Why We Geek Out: The Wells Fargo Reflect® card has a lengthy 21-month 0% intro APR for both balance transfers and purchases — one of the longest on the market. It has no annual fee and is ideal if you’re managing multiple, high-interest credit card balances. This card is a top pick for balance transfers with maximum financial flexibility.

The Wells Fargo Reflect® card is worth considering for its generous 21-month 0% intro APR on balance transfers and purchases and its lack of an annual fee. However, the absence of rewards may be a dealbreaker for some people.

This card is good for you if you:

• Have credit card balances from cards not issued by Wells Fargo
• Anticipate a large expense and need to pay it off in installments

This card is an even better option if you’re struggling financially and will need to pay minimums for a while on your existing card balance or upcoming expenses.

The Wells Fargo Reflect® Card offers a standout benefit: a 21-month 0% intro APR on balance transfers and purchases, one of the longest among the cards in our database. This is helpful if you’re juggling balances from multiple cards or planning to buy a high-ticket item.

It doesn't have an annual fee, but it also does not provide rewards, which may deter those who want to earn points or cash back with their purchases.

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The Wells Fargo Reflect® Card is an attractive option if you’re looking for a financial breathing room.

21-Month 0% Intro APR. Enjoy a 21-month breather with 0% interest on balance transfers and purchases. This lengthy grace period is perfect for paying down debt or handling big expenses without the stress of added charges. Plus, if life throws you a curveball, like a job loss, you can pay just the minimum for a while without your balance growing from interest.

No Annual Fee. With no yearly cost, this card doesn’t add to your expenses.

The Wells Fargo Reflect® Card shines with its 0% intro APR offer, but consider these points before applying.

No Rewards. This card doesn't offer cash back or points. If you're someone who pays off their balance monthly, the Citi Double Cash® can be an attractive alternative. It offers 2% cash back on all purchases while maintaining an 18-month 0% intro APR period on balance transfers.

Balance Transfer Cost. Transferring a balance incurs a 5% fee. For substantial balances, this fee can add up. You may consider the Citi Simplicity® card, which has a similar 0% APR period on balance transfers but a lower balance transfer fee at 3%. The 2% difference can save you $160 if you’re transferring $8,000.

The Wells Fargo Reflect®’s 21-month, 0% intro APR period is unbeatable. However, you may want to consider these cards if you’re looking for other features.

The Wells Fargo Reflect® card has a 21-month, 0% intro APR period on balance transfers and purchases but no rewards. The Citi® Double Cash card offers 18 months of 0% APR on balance transfers and 2% cash back on purchases. If you want to earn cash back and can deal with your balance within 18 months, the Citi® Double Cash is a solid alternative.

Both the Wells Fargo Reflect® and Citi Simplicity® cards offer a 21-month 0% intro APR period on balance transfers. However, Simplicity® stands out with its lower initial balance transfer fee of 3% (compared to Reflect's 5%) and the added advantage of no late fees. Citi Simplicity® can be an alternative if you want lower costs and a more forgiving fee structure.