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If you have a large amount of high-interest credit card debt that you’re struggling to pay off, you should consider a balance transfer card, like the Wells Fargo Reflect® Card. The card offers an introductory APR on balance transfers for almost two years.
The Wells Fargo Reflect® Card also offers a similar intro APR deal on purchases, which can help you finance a large purchase over time without paying interest charges.
If you’re looking to earn rewards on the purchases you make, this isn’t the card for you, since it doesn’t offer a rewards program. However, when paying down credit card debt, it’s best to focus on paying your balance in full within the promotional period, rather than earning rewards.
We take a look at the pros and cons of the Wells Fargo Reflect® Card, and compare it to similar balance transfer credit cards to help you determine if it’s the right fit for you.
Intro Purchase APR
0% intro APR for 21 months from account opening
Regular Purchase APR
17.49%, 23.99%, or 29.24% Variable APR
Intro BT APR
0% intro APR for 21 months from account opening on qualifying balance transfers
Regular BT APR
17.49%, 23.99%, or 29.24% Variable APR
Annual Fee
$0
Cash Advance Fee
Refer to Important Credit Terms
Foreign Transaction Fee
3%
Balance Transfer Fee
5%, min: $5
Intro APR on balance transfers
The Wells Fargo Reflect® Card offers one of the longest introductory APR periods currently available on balance transfers. Cardholders receive a 0% intro APR for 21 months from account opening on qualifying balance transfers. A 17.49%, 23.99%, or 29.24% Variable APR applies.
Intro APR on purchases
If you need to finance a large purchase and pay it off over time, the Wells Fargo Reflect® Card allows you to do so interest-free for an extended period of time. The card offers a 0% intro APR for 21 months from account opening on purchases. A 17.49%, 23.99%, or 29.24% Variable APR applies.
Annual fee
The Wells Fargo Reflect® Card comes with a $0 annual fee. But it’s pretty common for a balance transfer credit card not to charge an annual fee.
Cellphone protection
Receive up to $600 in cellphone protection as reimbursement for damage or theft when you use your Wells Fargo Reflect® Card to pay your monthly cellphone bill. Note, you will be subject to a $25 deductible.
No rewards program
The Wells Fargo Reflect® Card does not have a rewards program, so you won’t have the opportunity to earn a sign-up bonus or points for the purchases you make.
Balance transfer fee
If you decide to transfer a balance, you’ll be subject to a balance transfer fee of 5%, min: $5. For example, if you transfer $8,000 to the Wells Fargo Reflect® Card within the first 120 days, the balance transfer fee will be $240.
While it’s typical for a balance transfer card to charge a balance transfer fee, there are a few select cards available with no fee.
If you are interested in a card that provides a lengthy intro APR period on balance transfers but also offers the opportunity to earn rewards on every purchase, the Citi Double Cash® Card is a good option.
The Citi Double Cash® Card offers an intro APR of 0% intro apr for 18 months on balance transfers, then an ongoing APR of 18.49% - 28.49% (variable) applies. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
The Citi Double Cash® Card comes with a $0 annual fee and offers a solid flat cash back rate. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Cash back can be redeemed as a statement credit, direct deposit or check, or converted to points.
Unlike the Wells Fargo Reflect® Card, the Citi Double Cash® Card doesn’t come with an introductory APR offer on purchases.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Wells Fargo Reflect® Card*
|
N/A | None | $0 | 0% intro APR for 21 months from account opening | 17.49%, 23.99%, or 29.24% Variable APR | 0% intro APR for 21 months from account opening on qualifying balance transfers | 17.49%, 23.99%, or 29.24% Variable APR | 5%, min: $5 | Good / Excellent | ||
Citi Double Cash® Card
 Apply Now
on Citibank's secure site Rates & Fees |
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. | $0 | N/A | 18.49% - 28.49% (Variable) | 0% intro APR for 18 months on Balance Transfers | 18.49% - 28.49% (Variable) | There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) | Fair / Good / Excellent |
Apply Now
on Citibank's secure site Rates & Fees |
|
U.S. Bank Visa® Platinum Card*
|
No bonus | Non-rewards card | $0 | 0% intro APR for 21 billing cycles on Purchases | 18.24% - 29.24% (Variable) | 0% intro APR for 21 billing cycles on Balance Transfers | 18.24% - 29.24% (Variable) | An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater, for balances transferred within 60 days of account opening. After that, either 5% of the amount of each transfer or $5 minimum, whichever is greater. | Good / Excellent | ||
BankAmericard® credit card*
|
N/A | N/A | $0 | 0% Intro APR for 18 billing cycles for purchases | 15.74% - 25.74% Variable APR | 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days | 15.74% - 25.74% Variable APR on balance transfers | 3% intro fee for 60 days, then 4%. | Good / Excellent |
The Wells Fargo Reflect® Card is a great option for those looking to pay off existing credit card debt or for financing a large purchase, thanks to its extremely long introductory APR period on balance transfers and purchases.
But if you plan to keep a card after paying off your balance, the Citi Double Cash® Card may be a better choice, since it also offers a rewards program.
Whichever card you choose, we recommend creating a plan to pay off your balance before the promotional APR period ends. You can do this by calculating how much your payments need to be each month to pay your balance in full by the deadline and setting up automatic payments.
The information related to the Wells Fargo Reflect® Card, U.S. Bank Visa® Platinum Card and BankAmericard® credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
