Wells Fargo Reflect Card

One of the longest 0% intro APR periods to help you finance or pay down debt.

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
$0 annual fee, meaning fixed costs won't detract from your interest savings.
Up to $600 of cell phone protection against damage or theft (subject to a $25 deductible).
Designed for debt consolidation and financing (Note: this card does not earn rewards points or cash back).

How to maximize your Wells Fargo Reflect card

The Reflect card isn't about earning points or miles; it's a specialized financial tool designed for financing a large purchase or consolidating high-interest debt. Here is how to use it effectively.

Step 1: Transfer balances immediately

To take advantage of the intro rate on balance transfers, you must initiate the transfer within 120 days of account opening. Be sure to factor in the 5% balance transfer fee (minimum $5) to your total debt payoff plan.

Step 2: Automate your payoff plan

Divide your total transferred balance or large purchase amount by 21 months. Set up an automatic monthly payment for that exact amount to ensure you pay off the debt entirely before the regular variable APR kicks in.

Step 3: Pay your cell phone bill

Even after you've paid off your balance, you can keep the card open and active by using it to pay your monthly cellular bill. This automatically unlocks up to $600 in phone damage and theft protection.

Wrap-up

If you are trying to escape the trap of high-interest credit card debt or need a long runway to pay off an unexpected expense, a 21-month interest-free window provides massive financial relief.

Legal & Disclosures

Advertiser Disclosure

MyWealthWallet is not a bank. We are a financial education and content platform. We may receive compensation when you click on links to products from our partners. This compensation may influence which products we write about and where and how they appear on the page. However, it does not influence our evaluations or recommendations. Our opinions are our own.

Card Terms

Terms and conditions apply. All credit cards are subject to credit approval. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the intro rate, BT fee of 5%, min $5. See the issuer's website for full pricing, terms, and details.

General Disclaimer

The information provided on this page is for educational and informational purposes only. It should not be construed as financial, investment, or tax advice. Before opening any account, please carefully review all terms, conditions, fees, and disclosures provided by the partner. Your individual circumstances may vary, and we recommend consulting with a qualified financial advisor before making any financial decisions.