How do I get the full 24 months of 0% APR?

The base intro period is 21 months. If you make every minimum payment on time during those 21 months, Wells Fargo extends the 0% period by 3 additional months, for 24 total. One late payment forfeits the extension.

What is the balance transfer fee?

3% of each transfer amount ($5 minimum). On a $10,000 balance transfer, that's $300 — still much less than the interest you'd pay at 20%+ APR over 2 years.

Can I earn rewards on this card?

No. The Wells Fargo Reflect has no rewards program. It's designed purely as a debt payoff tool. If you want rewards, use a different card for everyday spending and the Reflect only for your transferred balance.

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Wells Fargo•Visa

Wells Fargo Reflect Card

Name: Wells Fargo Reflect Card
Brand: Wells Fargo

4.3/5

Best Balance Transfer Card

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Annual Fee$0

APR24.49% - 34.49%

Sign-up BonusNone~$0 value

RewardsNone

Credit Scoregood

Foreign FeesYes (3%)

+ Pros

✓Longest 0% APR period (up to 24 months)
✓No annual fee
✓Cell phone protection included

− Cons

✗No rewards program
✗High regular APR after intro period
✗3% foreign transaction fee

Perks & Credits

21-24 months

0% Intro APR

21 months standard, extended to 24 months if all minimum payments are made on time during the intro period.

Up to $600

Cell Phone Protection

Covers damage or theft with $25 deductible when you pay your monthly phone bill with this card.

Varies

My Wells Fargo Deals

Personalized merchant offers and discounts similar to Amex Offers.

CFPB Consumer Complaints(Last 12 months)

2,975Credit card complaints

0%Timely response rate

Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.

Who This Card Is For

→Debt consolidators who need the longest possible 0% APR runway — 21-24 months gives you up to 2 years to pay down existing credit card balances interest-free.
→Disciplined payers who will use the intro period to eliminate debt, not accumulate more — the card has no rewards to offset interest after the intro expires.

Who Should Skip This Card

→Anyone looking for rewards — this card earns nothing on purchases.
→People who won't pay off the transferred balance within 24 months — the regular APR (24-34%) is among the highest of any card.
→International travelers — 3% foreign transaction fee with no rewards to offset it.

How It Compares

Card	Annual Fee	Best Rate	Score
Wells Fargo Reflect Card (this card)	$0	0%	4.3/5
Citi Double Cash CardBest No-Fee Cashback Card	$0	2%	4.5/5
Citi Simplicity CardBest Balance Transfer (No Late Fees)	$0	0%	4.2/5

Frequently Asked Questions