If you’re planning a big purchase or looking to transfer debt without paying interest, the Wells Fargo Reflect ® could be just what you need.
This card stands out for offering one of the longest interest-free periods available—and it does so with no annual fee. If you’re considering switching credit cards and want a few added perks, it’s definitely worth a closer look.
No APR
The biggest draw of the Wells Fargo Reflect is its generous 0% introductory APR. You’ll pay no interest for the first 21 months on purchases, balance transfers, and other payments from the day your account is opened. Just keep in mind: this offer only applies to purchases and transfers made within the first 120 days.
That means nearly two years without interest—as long as you make the minimum payments each month during the promotional period. It’s a smart option if you’re planning to buy big-ticket items and want to pay them off over time without extra costs. Think appliances, electronics, furniture—or even a car, depending on your available credit limit.
And if you’re transferring a balance from another card, you’ll also enjoy the same interest-free period.
Rewards and Benefits
While the Wells Fargo Reflect doesn’t offer fixed cashback like some other cards, it does feature one-time rewards through the My Wells Fargo Deals program. You can activate offers through the app or website and get a statement credit when you use the card at participating retailers.
On top of that, the card includes several useful perks:
- Cell Phone Protection: Get up to $600 per year in coverage against damage or theft (with a $25 deductible), as long as you pay your cell phone bill with the card.
- Travel Assistance: Includes access to services like Roadside Dispatch™ and rental car insurance.
- Zero Liability Protection: You won’t be held responsible for unauthorized charges, and card replacement support is available if needed.
- Free FICO® Score Access: Monitor your credit with helpful financial insights in the Wells Fargo app.
