Extra-Long 0% APR—Perfect for Big Purchases or Debt Consolidation. The Wells Fargo Reflect® Credit Card stands out in 2025 as one of the best tools for managing large purchases or high-interest credit card debt.
WELLS FARGO REFLECT
NO ANNUAL FEE
0% INTRO APR
You will remain on the current site
With an industry-leading 0% intro APR period of up to 21 months on both purchases and balance transfers, this card offers a rare window of breathing room. Whether you’re furnishing a new apartment, covering unexpected expenses, or trying to escape high-interest debt, the Reflect card delivers extended flexibility with minimal cost.
Unlike many competing 0% APR offers that last 12–15 months, the Reflect card starts with 18 months of no interest and gives you the chance to extend that to 21 months just by making on-time minimum payments. This rewards responsible behavior while helping you stay out of debt traps.
It’s not a rewards card—but that’s by design. Instead of points or cashback, you get something far more valuable in the short term: time. Time to pay off purchases without pressure. Time to regain control over your finances.
Key Benefits of the Wells Fargo Reflect Card
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Up to 21 months of 0% APR: Applies to both purchases and qualifying balance transfers.
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No annual fee: Keep costs low while managing your budget.
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Cell phone protection: Up to $600 if you pay your monthly bill with the card.
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Zero liability protection: Covers you against unauthorized transactions.
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Visa contactless support: Quick, secure payments wherever tap-to-pay is accepted.
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My Wells Fargo Deals: Targeted cashback offers at select merchants (optional add-on).
Feature Comparison Table
| Feature | Wells Fargo Reflect | Citi Simplicity |
|---|---|---|
| 0% Intro APR Duration | Up to 21 months | 21 months |
| Balance Transfer Fee | 5% (min $5) | 3%–5% |
| Annual Fee | $0 | $0 |
| Rewards Program | ❌ None | ❌ None |
| Cell Phone Protection | ✅ Yes ($600) | ❌ No |
Is the Wells Fargo Reflect Worth It?
Absolutely—if your primary goal is to avoid interest. The Reflect card is ideal for those facing a major expense they can’t pay off right away or anyone consolidating debt from higher-interest credit cards. With responsible use, it can save hundreds (even thousands) in interest fees.
However, it’s not designed for those seeking long-term rewards, travel points, or cashback. If you’re looking for perks, you may want to combine this card with a separate rewards card for everyday purchases.
For anyone who values simplicity, low cost, and time to pay, the Reflect card is one of the best zero-interest tools available in 2025.