Wells Fargo Reflect: The 0% Intro APR Card That Can Save You Thousands in Interest

Motley Fool

09/11

Image source: Getty ImagesStill carrying a balance on your credit card and watching the interest pile up every month? I've been there. Credit card debt feels like quicksand as the minimum payment ...

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Credit card debt feels like quicksand as the minimum payment ...</p>\n\n<a href=\"https://www.fool.com/money/credit-cards/articles/wells-fargo-reflect-the-0-intro-apr-card-that-can-save-you-thousands-in-interest/\">网页链接</a>\n\n</div>\n","source":"fool_stock","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Wells Fargo Reflect: The 0% Intro APR Card That Can Save You Thousands in Interest</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWells Fargo Reflect: The 0% Intro APR Card That Can Save You Thousands in Interest\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-09-11 20:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/money/credit-cards/articles/wells-fargo-reflect-the-0-intro-apr-card-that-can-save-you-thousands-in-interest/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Image source: Getty ImagesStill carrying a balance on your credit card and watching the interest pile up every month? I've been there. Credit card debt feels like quicksand as the minimum payment ...</p>\n\n<a href=\"https://www.fool.com/money/credit-cards/articles/wells-fargo-reflect-the-0-intro-apr-card-that-can-save-you-thousands-in-interest/\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0477156953.USD","symbol_name":"HARRIS ASSOCIATES US VALUE EQUITY \"RE\" (USD) ACC","start_time":0,"source_url":"https://www.fool.com/money/credit-cards/articles/wells-fargo-reflect-the-0-intro-apr-card-that-can-save-you-thousands-in-interest/","article_id":"2566768998","we_media_id":null,"thumbnails":["https://g.foolcdn.com/image/?url=https%3A%2F%2Fm.foolcdn.com%2Fmedia%2Faffiliates%2Fimages%2FGettyImages-1530017962-1200x800-5b2df79_iqid6.width-1200.jpg&op=resize&w=165&h=104"],"rights":{"source":"fool_stock","url":"https://www.fool.com/money/credit-cards/articles/wells-fargo-reflect-the-0-intro-apr-card-that-can-save-you-thousands-in-interest/","rn_cache_url":null,"customStyle":"","selectors":".main-contain, #article-page","filters":"#sticky-wrapper, .navigation, .article-page-end, .foot, .author-tagline, .author-inline, .footer, .soc-share, .wysiwyg, .related-content","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2566768998","pubTimestamp":1757592000,"columns":[],"sourceInfo":{"source_id":"fool_stock","name":"Motley Fool"},"weMediaInfo":null,"summary":"Get 21 months of 0% intro APR and save big on interest while paying down debt. 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I've been there. Credit card debt feels like quicksand as the minimum payment barely makes a dent and double-digit interest racks up faster than you can shovel it away. That's where a long 0% intro APR card can be a total game changer.One of the strongest options right now is the Wells Fargo Reflect® Card (rates and fees), which offers an intro period that's among the longest in the market. If you're serious about paying down debt (or just want to finance a big purchase without interest), this card could save you thousands.Why the Wells Fargo Reflect Card stands outThe Wells Fargo Reflect® Card's biggest draw is its 0% introductory APR period. You get:0% intro APR for 21 months from account opening on qualifying balance transfers and purchasesAfter that, a variable APR applies.That nearly two-year runway gives you time to pay off a balance without the crushing interest charges that most cards tack on.  2025 Award Winner                  Wells Fargo Reflect® Card  Apply Now for Wells Fargo Reflect® CardOn                      Wells Fargo's           Secure Website.Rates & Fees 5.00/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.                            = Best                            = Excellent                            = Good                            = Fair                            = Poor5.00/5Circle with letter I in it.            Our ratings are based on a 5 star scale.            5 stars equals Best.            4 stars equals Excellent.            3 stars equals Good.            2 stars equals Fair.            1 star equals Poor.        We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.                            = Best                            = Excellent                            = Good                            = Fair                            = PoorCredit Score:Circle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.      Recommended Credit Score required for this offer is: Good/Excellent (670-850)    PoorFairGoodExcellent300-579580-669670-739740-850Apply Now for Wells Fargo Reflect® CardOn                      Wells Fargo's           Secure Website.Rates & Fees Credit ScoreCircle with letter I in it.      Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.Good/Excellent (670-850)Intro APRCircle with letter I in it.      0% intro APR for 21 months from account opening on purchases and qualifying balance transfers      Purchases: 0% intro APR, 21 months from account opening                  Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers                  Regular APR                                  17.24%, 23.74%, or 28.99% Variable APR RewardsN/A                Annual Fee              $0Welcome OfferN/A                  Bottom                    Line                This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, this card is hard to beat.Read Full Review                  Pros/Cons                Long 0% intro APR offerNo annual feeCellphone protectionBalance transfer feeForeign transaction feeNo rewards program                  Card Details                Apply Now to take advantage of this offer and learn more about product features, terms and conditions.0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.$0 annual fee.Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.Balance transfer perksIf you've got high-interest debt sitting on another card, the Wells Fargo Reflect® Card makes it easy to move it over. However, balance transfers will be subject to a fee of 5%, min: $5.That upfront fee is usually worth it compared to paying 20%+ interest month after month. On a $5,000 balance, even at a 20% APR, you're looking at $1,000 in interest over a year. A one-time $250 transfer fee looks pretty small next to that.Everyday featuresThe Wells Fargo Reflect® Card isn't packed with flashy perks like lounge access or cash rewards. But it does include a few extras worth noting:Cellphone protection (when you pay your bill with the card; $25 deductible applies)24/7 roadside dispatchZero liability protection on unauthorized chargesIt's a simple, no-annual-fee card that does one job really well: giving you time to knock out debt. Start tackling that debt today. Read our full Wells Fargo Reflect® Card review to learn more and apply now.Who this card is best forThe Wells Fargo Reflect® Card is ideal if:You're carrying a balance and want to avoid interest.You've got a big expense coming up and need extra time to pay it off.You don't care about rewards and just want a straightforward payoff tool.If you're debt-free and looking for ongoing cash rewards or travel perks, you'll probably be happier with something like the Wells Fargo Active Cash® Card (rates and fees) or a travel rewards card. But if your main goal is getting rid of interest, the Wells Fargo Reflect® Card is tough to beat.My takeAfter years of writing about credit cards, I've seen plenty of flashy offers that don't actually deliver much value. The Wells Fargo Reflect® Card isn't about bells and whistles -- it's about breathing room.Think of it like hitting the \"pause\" button on your interest charges. If you use the time wisely and make a plan, you can emerge on the other side debt-free and ahead of the game.To get started paying off your debt interest-free today, check out our full list of the best 0% intro APR credit cards and compare your options.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}