Wells Fargo Reflect
21-month 0% intro APR — best balance-transfer card on the market.
External link to Wells Fargo. We may earn a referral commission, at no cost to you.
5-year value calculator
How much Wells Fargo Reflect actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
No welcome bonus — value is the long 0% APR
What you get
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Wells Fargo Reflect
The SaaS subscriptions where Wells Fargo Reflect earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,21,635/yr.
Greenhouse
Wells Fargo Reflect pays 1% rewards on Greenhouse.
Drift
Wells Fargo Reflect pays 1% rewards on Drift.
Vanta
Wells Fargo Reflect pays 1% rewards on Vanta.
Drata
Wells Fargo Reflect pays 1% rewards on Drata.
WorkOS
Wells Fargo Reflect pays 1% rewards on WorkOS.
dbt
Wells Fargo Reflect pays 1% rewards on dbt.
More cards in the US
Chase Sapphire Preferred
Chase
First-time travel-rewards card, sweet-spot earn rates
EXPRESS
American Express Gold
American Express
Heavy restaurant + grocery spenders ($1K+/mo on food)
Citi Double Cash
Citi
Set-it-and-forget-it 2% on everything