Credit Card Review: Wells Fargo Reflect Card | Smart Change: Personal Finance | – Napa Valley Register

The most important thing that you can do with your credit cards is to avoid interest charges by paying your balances in full, every month. But for many different reasons, about half of credit card users are unable to do that, and end up carrying a balance. If you’re one of these credit card users, then your first priority should be paying off your balance, while spending as little as possible on interest.

The new Wells Fargo Reflect℠ Card helps you to do that by offering 18 months of 0% APR on both new purchases and qualifying balance transfers, as well as an extension that can allow this offer to reach 21 months. In comparison, the most competitive promotional financing offers from other card issuers are typically about 15 months, and can sometimes reach as long as 20.

  • Welcome Bonus: None
  • Rewards: None
  • Annual Fee: None
  • APR: 12.99% to 24.99%, based on your creditworthiness
  • Promotional Financing Offer: None

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How This Card Works

With the Wells Fargo Reflect Card, new applicants receive an interest-free promotional financing offer for 18 months on both new purchases and qualifying balance transfers. To qualify, a balance transfer must be made within 120 days of account opening.

However, if you make your minimum payments on-time during those initial 18 months, then your introductory financing offer can extend to as long as 21 months, so long as you continue to make at least the minimum payment on time. This is currently the only credit card that offers such an extension to its promotional financing offer. And if you receive the full 21 months of 0% financing, it will be the longest promotional financing offer available. The next best offer from a card issued by a major bank is the U.S. Bank Visa® Platinum card, which features 20 months of interest free financing on both new purchases and balance transfers.

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