Wells Fargo Reflect 0% APR & payoff plan.
A 21-month 0% APR window on both purchases and qualifying balance transfers — one of the longest combined intro periods available.
Terms shown are general references. Confirm current terms on the issuer page before applying.
- 0% on purchases
- 21 months on purchases
- 0% on transfers
- 21 months on balance transfers (from account opening)
- Balance transfer fee
- 5% (min $5)
- Regular APR
- 17.24% – 28.99% variable
- Annual fee
- $0
- Issuer
- Wells Fargo
- Category
- Low APR
Promo APR details
21 months runs from account opening, so a transfer submitted at month 3 only enjoys the remaining 18 months at 0%. Submit transfers early.
Payoff strategy
Set a fixed monthly auto-pay equal to (total promo balance ÷ months remaining at the time of transfer). Recalculate any month a new charge lands.
When this card makes sense
The Wells Fargo Reflect is most useful when the offer matches the job. If you are paying down existing debt, the 21 months on balance transfers (from account opening) 0% balance transfer window is the lever. If you are financing a planned purchase, lean on the 21 months on purchases 0% purchase window. After the promo ends, the 17.24% – 28.99% variable regular APR is expensive — so the only winning move is finishing the payoff before the snap-back date.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.