Wells Fargo Reflect

Wells Fargo Reflect card art

Wells Fargo · Credit card · Balance transfer & 0% APR

4.5 Debt Sunset rating vs. other balance transfer & 0% apr cards

Up to 21 months of 0% intro APR on purchases and qualifying balance transfers with no annual fee: one of the longest offers available.

Rates, fees and offers

Regular APR
17.74%–28.49% variable
Annual fee
$0
Promo offers
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
Balance transfer fee
See Wells Fargo Important Credit Terms
Rewards
No rewards. Cell phone protection up to $600; roadside dispatch.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

No rewards: its job is buying you time to pay down debt interest-free.

Paying and contacting Wells Fargo

Customer service
1-800-642-4720 · 24 hours a day, 7 days a week
Pay by mail
Wells Fargo Card Services
P.O. Box 51193
Los Angeles, CA 90051-5493

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

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