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Credit card review
Wells Fargo Reflect Card review
Best for: Anyone who needs the absolute longest 0% runway — 21 months.
The longest 0% runway on the market: 21 months interest-free on purchases and balance transfers — Motley Fool Money's 2026 Best 0% Intro APR Card — with a $0 annual fee.
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Annual fee
$0
Rewards
None
Intro APR
0% for 21 months (purchases and qualifying balance transfers)
Regular APR
17.49%, 23.99%, or 28.24% variable
Welcome offer
None
Foreign transaction fee
3%
Balance transfer fees aren't listed on the landing page — check Wells Fargo's Important Credit Terms for the current rate before applying.
Standout features
- 21-month 0% intro APR on purchases and balance transfers — the longest available.
- $0 annual fee; Fool Money's 2026 Best 0% Intro APR Card.
- Up to $600 cell phone protection ($25 deductible) plus My Wells Fargo Deals.
Honest drawbacks
- No rewards and no welcome offer.
- Balance-transfer fee is 5% (min $5) — pricier than rivals' 3% intro rates — and it isn't listed on the landing page.
- 3% foreign transaction fee; no grace period on balance transfers after the intro ends.
Visit Wells Fargo Reflect Card →
Link goes directly to Wells Fargo Reflect Card's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Wells Fargo Reflect (official) (checked Sep 2026)
- Motley Fool: Wells Fargo Reflect review (checked Sep 2026)
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