0% intro APR until 2024 is 100% insane

1 day ago 9

The Wells Fargo Reflect® Card (rates and fees) is 1 of the champion cards you tin get for paying down indebtedness oregon financing a large acquisition interest-free. It carries 1 of the longest 0% intro APR periods connected the market, positive a $0 yearly fee.

The catch: erstwhile that intro APR model closes, the Wells Fargo Reflect® Card earns nary rewards and hands you nary ongoing perks. So it's not a large semipermanent keeper.

If your lone extremity is to halt involvement cold, the Wells Fargo Reflect® Card is hard to beat. Here's my honorable review.

Credit Score:

Recommended Credit Score required for this connection is: Good/Excellent (670-850)

Credit Score

Intro APR

Purchases: 0% intro APR for 21 months from relationship opening connected purchases

Balance Transfers: 0% intro APR for 21 months from relationship opening connected qualifying equilibrium transfers

Regular APR

17.74%, 24.24%, oregon 28.49% Variable APR

This no-frills paper is simply a coagulated prime if your precedence is to debar recognition paper involvement for arsenic agelong arsenic possible. It offers an unthinkable 0% intro APR for 21 months from relationship opening connected purchases and qualifying equilibrium transfers (17.74%, 24.24%, oregon 28.49% Variable APR after). The equilibrium transportation interest (5%; $5 min.) is higher than immoderate cards, but if you privation an arsenic agelong intro APR connected purchases and equilibrium transfers, this paper is hard to beat.
- Long 0% intro APR offer
- No yearly fee
- Cellphone protection
- Balance transportation fee
- Foreign transaction fee
- No rewards program
- Apply Now to instrumentality vantage of this connection and larn much astir merchandise features, presumption and conditions.
- 0% intro APR for 21 months from relationship opening connected purchases and qualifying equilibrium transfers. 17.74%, 24.24%, oregon 28.49% adaptable APR thereafter; equilibrium transfers made wrong 120 days suffice for the intro rate, BT interest of 5%, min: $5.
- $0 yearly fee.
- Up to $600 of compartment telephone extortion against harm oregon theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you tin get entree to personalized deals from a assortment of merchants. It's an casual mode to gain currency backmost arsenic an relationship recognition erstwhile you shop, dine, oregon bask an acquisition simply by utilizing an eligible Wells Fargo recognition card.

These cards are designed for radical looking to wage disconnected a ample acquisition oregon transportation a equilibrium — truthful our ratings stress interest-free periods, interest structures, and however overmuch clip you truly get to wage things down.

Our highest-rated 0% APR cards have:

Extended intro APR periods connected purchases oregon equilibrium transfers
Low oregon waived equilibrium transportation fees
Solid ongoing worth beyond the intro period, similar nary yearly fee
Top-of-market features that basal retired from competitors

We don’t penalize cards for a deficiency of semipermanent rewards present – this class is each astir involvement savings, and our ratings bespeak that.

We harvester these factors with an valuation of marque estimation and lawsuit restitution to guarantee you're getting the champion precocious bounds paper recommendations. Our purpose is to support a balanced best-of database featuring top-scoring precocious bounds recognition cards from reputable brands. 'Best for' class selections connected this leafage are determined by our editors, and a azygous paper whitethorn beryllium recognized successful aggregate categories.

Ordering wrong lists is influenced by advertiser compensation, including featured placements astatine the apical of a fixed list, but our merchandise recommendations are NEVER influenced by advertisers. Learn much astir however Motley Fool Money rates recognition cards.

Our highest-rated 0% APR cards have:

Extended intro APR periods connected purchases oregon equilibrium transfers
Low oregon waived equilibrium transportation fees
Solid ongoing worth beyond the intro period, similar nary yearly fee
Top-of-market features that basal retired from competitors

We don’t penalize cards for a deficiency of semipermanent rewards present – this class is each astir involvement savings, and our ratings bespeak that.

Who should get the Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card is champion for radical carrying high-interest indebtedness oregon readying a ample acquisition they privation to dispersed retired implicit time.

You get astir 2 years of breathing country with nary interest, which tin prevention a lot of wealth portion you wage things off.

If you're looking for currency backmost oregon question rewards, this is not the paper for you. The Wells Fargo Reflect® Card has nary rewards programme and nary invited bonus. It loses astir of its worth the infinitesimal the intro play ends.

What I similar astir the Wells Fargo Reflect® Card

Long 0% intro APR period

The Wells Fargo Reflect® Card's header diagnostic is 0% intro APR for 21 months from relationship opening connected purchases and qualifying equilibrium transfers. (A 17.74%, 24.24%, oregon 28.49% Variable APR applies after.)

That's 1 of the longest 0% APR periods you'll find anyplace -- which is wherefore it earned Motley Fool Money's grant for Best 0% Intro APR Card of 2026.

This agelong intro APR is peculiarly useful for ample balances (think thing $5,000+). The longer the promo window, the little you request to wage each period to wide your equilibrium portion paying nary interest.

$0 yearly fee

The Wells Fargo Reflect® Card charges nary yearly fee, truthful it costs thing to support successful your wallet. For anyone gathering recognition past -- or, similar me, holding onto a top recognition card for the agelong haul -- that's a existent plus.

Keeping the paper unfastened tin assistance your recognition people by lengthening your mean recognition past implicit time.

Cellphone protection

The Wells Fargo Reflect® Card includes cellphone protection erstwhile you wage your monthly telephone measure with the card. It covers up to $600 per assertion for theft oregon damage, with a $25 deductible, and you tin record up to 2 claims per 12-month period.

I've ne'er had to usage cellphone insurance, but arsenic a predominant phone-dropper and mostly clumsy person, I've ever loved having it successful my backmost pocket.

Credit paper comparison

We urge comparing options to guarantee the paper you're selecting is the champion acceptable for you. To marque your hunt easier, here's a abbreviated database of standout recognition cards.

Downsides to consider

No ongoing rewards

The Wells Fargo Reflect® Card earns nary rewards. If you privation a paper with semipermanent perks similar currency backmost oregon question points, this isn't it.

A beardown alternate is the Wells Fargo Active Cash® Card (rates and fees), which earns a level 2% currency rewards connected purchases for a $0 yearly fee. It's our Best Overall Credit Card of 2026, and a instrumentality favourite for flat-rate rewards.

High equilibrium transportation fee

The Wells Fargo Reflect® Card charges a equilibrium transportation interest of 5%, min: $5 -- this is connected the precocious broadside for a equilibrium transportation card.

If you determination a $10,000 balance, you'd beryllium a $500 fee, adjacent though you'd wage the equilibrium disconnected astatine 0% during the intro period.

Run the mathematics earlier you transfer, due to the fact that the interest should outgo little than the involvement you'd different pay. If you won't wide the equilibrium wrong the 0% APR period, past an alternative equilibrium transportation card with a little transportation interest whitethorn service you better.

Foreign transaction fees

The Wells Fargo Reflect® Card charges a 3% overseas transaction fee, truthful you'll wage other connected purchases made extracurricular the U.S. If you question overseas and privation to skip that cost, see one of our favourite question recognition cards.

It besides has nary acquisition extortion oregon extended warranty connected purchases.

What recognition people bash you request for the Wells Fargo Reflect® Card?

You'll mostly request good to excellent recognition (Motley Fool Money estimates this to beryllium a FICO® Score of astir 670 oregon higher) to suffice for the Wells Fargo Reflect® Card. Wells Fargo doesn't people an authoritative cutoff, and applicants person to 700 thin to beryllium the best-qualified candidates.

Keep successful mind, your people isn't the lone factor. Wells Fargo besides weighs your income, existing debt, and wide recognition history. You tin cheque for pre-selected offers connected Wells Fargo's tract without a hard enquiry to gauge your chances first.

What recognition bounds tin you get with the Wells Fargo Reflect® Card?

The Wells Fargo Reflect® Card comes with a minimum recognition bounds of $1,000, and higher scores and income mostly gain higher limits. Wells Fargo sets your bounds individually based connected your afloat recognition profile, truthful 2 applicants tin get precise antithetic lines of credit.

Your starting bounds isn't permanent, though. Once your relationship is unfastened and successful bully standing, usually aft six to 12 months, you tin petition an increase. Or, Wells Fargo whitethorn rise it automatically for on-time payments and debased utilization.

How to bash a equilibrium transportation with the Wells Fargo Reflect® Card

To get the 0% intro APR for 21 months from relationship opening connected qualifying equilibrium transfers (then 17.74%, 24.24%, oregon 28.49% Variable APR), you indispensable implicit qualifying transfers wrong 120 days of opening your account.

I urge starting the transportation online oregon by telephone arsenic soon arsenic you're approved. Having your aged relationship details acceptable speeds things up.

One important note: you can't transportation a equilibrium from different Wells Fargo oregon affiliated card. Transfers person to travel from a antithetic issuer, and the 5%, min: $5 transportation interest applies to each one.

How to use for the Wells Fargo Reflect® Card

Applying for the Wells Fargo Reflect® Card is quick. Here's what to do:

Start the exertion right present from this page.
Provide your idiosyncratic and fiscal details -- name, income, address, and Social Security number.
Review the presumption and conditions, past taxable your application.
Wait for a decision, and commencement utilizing your paper erstwhile approved.

Approvals are usually instant, but tin instrumentality a fewer days if Wells Fargo needs to verify immoderate of your information.

Is the Wells Fargo Reflect® Card worthy it?

Yes, the Wells Fargo Reflect® Card is worthy it if your precedence is paying disconnected indebtedness oregon financing a ample acquisition without interest. Very fewer cards springiness you a agelong no-interest runway similar this.

It's not worthy it if you privation rewards oregon perks aft the intro period, since it offers neither.

Ready to marque a dent successful your debt? Apply for the Wells Fargo Reflect® Card today -- awarded Motley Fool Money's Best 0% Intro APR Card of 2026.

FAQs

When the 0% intro APR play ends, immoderate remaining equilibrium starts accruing involvement astatine your regular adaptable APR from that constituent forward. The Wells Fargo Reflect® Card doesn't complaint deferred oregon retroactive interest, truthful you lone wage connected what's near -- not connected the afloat archetypal balance.
No, the 0% intro APR does not screen currency advances. Cash advances commencement accruing involvement instantly astatine a separate, higher APR and travel with their ain fee. The intro connection lone applies to purchases and qualifying equilibrium transfers.
Keeping the paper unfastened is usually the amended move, adjacent aft your equilibrium hits $0. If it has nary yearly fee, it costs thing to hold, and the unfastened relationship helps your recognition people by supporting your full disposable recognition and magnitude of history.