Wells FargoEditor's ChoiceBest for Long 0% APR
Wells Fargo Reflect®
Annual Fee
$0
Rewards Rate
0%
Intro Offer
None
Regular APR
18.24%-29.99% Variable
Wells Fargo Reflect®
Wells Fargo Reflect®
0% intro APR for up to 21 months. No annual fee.
Our take
One of the longest 0% intro APR periods available — up to 21 months on purchases and balance transfers. No annual fee. Ideal for financing a large purchase or consolidating debt.
Highlights
What we like
0% intro APR for up to 21 months
No annual fee
Cell phone protection included
The trade-off
No rewards program at all
3% foreign transaction fee
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 0% |
| Rewards type | None |
| Bonus categories | |
| Welcome offer | None |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% intro APR for up to 21 months |
| Intro APR (balance transfers) | 0% for up to 21 months |
| Ongoing APR | 18.24%-29.99% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
You need to meet spending requirements to earn: None. Terms apply — check the issuer's site for exact details.
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Wells Fargo Reflect®