0% Interest
Wells Fargo Reflect
Every rate below is the issuer’s own, verified August 31, 2026.
21Months at 0% on transfers
5%Transfer fee
120 daysTo transfer, from opening
Terms apply. See rates & fees on Wells Fargo. Rankings are pure math, never sold.
The rates
How it earns
Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.
Earn rates Wells Fargo Reflect
Everything else0x
0% on purchases · 21 monthsintro
0% on balance transfers · 21 months, 5% feeintro
Deadline to transfer · within 120 days of opening the account120 days
Annual fee$0
Know before you apply
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by Wells Fargo and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Wells Fargo’s own published terms, last verified August 31, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 5 of the figures it watches here were still printed there.
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