Wells Fargo Reflect Card
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0% intro APR for 21 months on purchases and qualifying balance transfers. No annual fee. Cell phone protection included.
★ Best PickA+Best for longest 0% period
The Wells Fargo Reflect Card offers one of the longest 0% intro APR periods available: 21 months from account opening on both purchases and qualifying balance transfers, with a 3-month extension if you make on-time minimum payments (extending to 24 months total). The transfer fee is 5% (min $5). There are no rewards on this card — it's a pure debt-payoff vehicle — but it includes cell phone protection (up to $600/claim with $25 deductible) when you pay your monthly bill with the card.
Pros
- 21-month 0% APR extendable to 24 months with on-time payments
- Cell phone protection up to $600 included
- No annual fee
Cons
- 5% balance transfer fee (minimum $5)
- No ongoing rewards after intro period
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