Edited by: Jessica Merritt
& Stella Shon
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0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter
Good to Excellent (670-850)
The Wells Fargo Reflect Card offers a long intro APR period without an annual fee.
The Wells Fargo Reflect® Card is a great option for those looking for a long intro APR window on purchases and qualifying balance transfers without an annual fee.
If you need to transfer a large balance from another credit card or are looking for a card that can help you finance a large upcoming purchase, the Wells Fargo Reflect Card might be the perfect option for you.
Thanks to its long 21-month intro APR offer, you’ll have quite a lot of time to pay down any high-interest qualifying balances from another credit card or the opportunity to finance a large purchase for 21 months without worrying about interest accruing.
The Wells Fargo Reflect Card offers one of the longest introductory APR periods on the market, with 0% intro APR from account opening on purchases and qualifying balance transfers, 18.24%, 24.74%, or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate, though you will need to pay 5%, min $5 of the balance transfer amount.
With the Wells Fargo Reflect Card, you’ll receive up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card, with a $25 deductible and a maximum of 2 paid claims per 12-month period.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
If you’re looking for a great card that offers an intro APR offer and earns rewards, then the Double Cash card might be a better fit for you. In addition to its intro APR offer, you’ll earn an uncapped 2% cash-back on all purchases (with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases), and a $0 annual fee.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
The Freedom Unlimited card is another great option for a card that offers an intro APR offer on purchases and balance transfers while still earning rewards. With it, you’ll earn 5% cash-back on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases. Plus, it charges a $0 annual fee and has great protections like purchase protection, extended warranty protection, and rental car insurance.
This content is not provided by the issuer. Any opinions expressed are those of Upgraded Points alone, and have not been reviewed, approved or otherwise endorsed by the issuer.
All qualifying balance transfers have to be approved by Wells Fargo, and the amount you can balance transfer will be capped at your total credit limit.
Yes, the balance transfer fee is 5% of the total amount you are transferring. For instance, if you’re transferring $2,500, you would pay a $125 fee.
The introductory APR period is 21 months and applies to purchases and qualifying balance transfers made within the first 120 days of opening the card.
No, the Wells Fargo Reflect Card has a $0 annual fee.
No, the Wells Fargo Reflect Card does not earn any credit card rewards.