Wells Fargo Reflect vs. Wells Fargo Active Cash

The Wells Fargo Reflect includes a generous 0 percent intro APR for 21 months from account opening on purchases and qualifying balance transfers (then a 17.24%, 23.74%, or 28.99% Variable APR, based on your creditworthiness). Additionally, balance transfers must be made within 120 days of account opening to qualify for the intro offer and a balance transfer fee of 5%; min: $5 applies.

Compared to other top 0 percent intro APR cards, this is a significant amount of time, and is one of the longest intro periods currently offered. This gives you even more time and flexibility to finance large purchases over time or pay down debt without incurring hefty interest charges.

The Wells Fargo Reflect wins in this category, but the Wells Fargo Active Cash’s intro APR offer should not be overlooked. With this card, you’ll receive a 0 percent intro APR on purchases and qualifying balance transfers for the first 12 months from account opening — which is still helpful for paying off large purchases or paying down credit card debt. Remember, however, that the APR adjusts to a 19.24%, 24.24%, or 29.24% Variable APR once the introductory period ends.

Also, with the Wells Fargo Active Cash, note that balance transfers must be made within 120 days of account opening to qualify for the intro APR offer. An intro balance transfer fee of 3 percent (minimum $5) also applies during the first 120 days, then a balance transfer fee of 5%; min: $5 applies.