Wells
Reflect
Wells Fargo
Reflect
Best for: financing a large purchase or paying down debt
A 21-month 0% intro APR on purchases and qualifying balance transfers, with no annual fee.
Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026
Rewards and welcome offer
- This card does not advertise a rewards program.
Strengths and trade-offs
Strengths
- 0% intro APR for 21 months on purchases and qualifying balance transfers
- No annual fee
Trade-offs
- No rewards program
- 3% foreign currency conversion fee
- Balance transfer fee is not stated on the page
Rates and fees
- Annual fee
- $0
- Regular APR
- 17.74%–28.49% variable
- Intro APR
- 0% for 21 mo purchases, 21 mo transfers
- Balance transfer fee
- Applies; amount not stated on the issuer's page
- Foreign transaction fee
- 3%
- Minimum credit score
- Not published by the issuer
- Balance transfers made within 120 days from account opening qualify for the introductory rate.
- Regular APR is variable: 17.74%, 24.24% or 28.49%.
Figures read from creditcards.wellsfargo.com on Sep 28, 2026. Terms change without notice, so confirm with the lender.
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