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Read moreWells Fargo Reflect review: 21 months without interest
The longest interest-free window on our list, on purchases and on qualifying balance transfers alike. There are no rewards and no welcome bonus, and that is the point.
We are not a bank and we do not approve applications. Every rate and fee here comes from the issuer and was checked on August 30, 2026.
The verdict
Rates and fees in detail
- No annual fee.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then 17.49%, 23.99% or 28.24% variable.
- Balance transfer fee of 5%, minimum $5, and transfers must post within 120 days of opening to get the intro rate.
- See the full terms on Wells Fargo's page.
More details
- The clock starts at account opening, not at your first purchase or transfer.
- This is a true 0% offer, not deferred interest, so nothing is charged retroactively on the intro balance.
- You cannot transfer a balance from another Wells Fargo account.
- Up to $600 of cell phone protection against damage or theft, subject to a $25 deductible.
Pros and cons
What works
21 months of 0% on both purchases and transfers
No annual fee
Cell phone protection
Not deferred interest, so no retroactive charges
What does not
No rewards at all
No welcome bonus
5% balance transfer fee, above the 3% some rivals charge
Transfers only qualify within 120 days
The full review
Almost two years without interest is a big promise, and the Reflect mostly delivers it. Twenty-one months covers purchases and qualifying transfers from the day the account opens, which is longer than the 15-month windows on most rewards cards.
The fee is where people trip. Every transfer costs 5% of the amount moved, so moving $5,000 adds $250 to the balance. That is steeper than a 3% intro fee elsewhere, but on a balance sitting above 20% APR it is usually far cheaper than another year of interest.
What you give up is everything else. No cash back, no points, no bonus. If the payoff will take you a year or less, a card that pays rewards and offers 15 months at 0% is probably the better trade.
» MORE: A rewards card with a 15-month 0% window
» MORE: A flat-rate card with 15 billing cycles at 0%
The basics
Annual fee: $0
Intro APR: 0% for 21 months on purchases and qualifying transfers
Regular APR: 17.49%, 23.99% or 28.24% variable
Balance transfer fee: 5%, minimum $5
How it compares
Wells Fargo Reflect Card
Chase Freedom Flex
Bank of America Unlimited Cash RewardsIssuer terms as published, checked Aug 30, 2026.
Common questions
When does the 21 months start?
Is interest charged retroactively at the end?
Can I move a balance from another Wells Fargo card?
About the author
Credairy team
We compare credit cards using the terms issuers publish, and we say plainly when a card only works for a narrow kind of spender.