Wells Fargo Reflect
21 months 0% APR — the longest on the market
4.7
Editor rating · out of 5
Best for: Paying off debt or financing a large purchase
If you have a 5-figure balance to pay down, this is the strongest single card in America. 21 months is unmatched.
Pros and cons
Pros
- +21 months is the longest 0% in the industry
- +Applies to both purchases AND balance transfers
- +Cell phone protection
Cons
- −No rewards
- −Balance transfer fee 5% or $5
- −Foreign transaction fee 3%
Key details
Annual fee
$0
Intro APR
0% for 21 months
See how it compares
Read our full ranking and compare Wells Fargo Reflect side-by-side with alternatives.
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