Longest intro 0% APR window — up to 21 months on BT and purchases.
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Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Large balance payoffs where maximizing the interest-free runway matters more than minimizing the upfront BT fee.
The Wells Fargo Reflect Card has no annual fee and a 5% balance transfer fee (minimum $5) on transfers made during the intro period. The intro APR is 0% for up to 21 months on purchases and qualifying balance transfers; after that, the regular variable APR applies — verify the current rate at wellsfargo.com before applying.
| Year 1 value | Ongoing value |
|---|---|
| 0% APR for up to 21 months on transferred balances — potential interest savings of hundreds to thousands depending on balance size | No annual fee; regular variable APR applies after intro period; no rewards earning |
| 5% BT fee (min $5) due at time of transfer | |
Wells Fargo Reflect® Card — Longest intro 0% APR window — up to 21 months on BT and purchases. Best for: Large balance payoffs where maximizing the interest-free runway matters more than minimizing the upfront BT fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
As disclosed by Wells Fargo (verified June 2026), the card offers 0% intro APR for a period up to 21 months from account opening on purchases and qualifying balance transfers. The exact length depends on your creditworthiness and timing — verify the current offer terms at wellsfargo.com before applying.
Wells Fargo discloses a 5% balance transfer fee (minimum $5) for transfers made during the intro period, as verified June 2026. On a $5,000 balance, that fee is $250 upfront. Confirm the current fee at wellsfargo.com before initiating a transfer.
No — the Reflect Card is a 0% APR debt-management card, not a rewards card. If you want a balance transfer offer with some rewards earning, consider the Chase Freedom Unlimited or Citi Double Cash, both of which offer intro BT APR windows alongside ongoing cash-back earning. If you need a quick comparison of intro APR options side-by-side, see the best 0% APR credit cards page. For balance carriers who need a permanent low rate rather than a time-limited intro window, see best low interest credit cards.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Wells Fargo Reflect® Card is issued and operated by Wells Fargo Bank, N.A. APRs, fees, and terms are determined solely by Wells Fargo and may change — verify current terms at wellsfargo.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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