Wells Fargo Reflect Payoff Calculator (2026)

Card data, May 13, 2026

• Issuer: Wells Fargo
• Network: Visa
• APR: 17.24% to 28.99% variable (standard rate after intro period)
• Annual fee: $0
• Rewards: None. The Reflect is a balance transfer card, not a rewards card.
• Intro APR on purchases: 0% for 21 months from account opening
• Intro APR on balance transfers: 0% for 21 months from account opening, on transfers made within 120 days of account opening
• Balance transfer fee: 5% (minimum $5) during the introductory period
• Foreign transaction fee: 3%
• Late fee: up to $40
• Penalty APR: None
• Minimum payment: 1% of balance plus interest and fees, with a $25 floor
• Typical FICO floor for approval: 670

Source: Wells Fargo Reflect terms, verified 2026-05-13.

TL;DR

The Reflect is the single best balance transfer card in the U.S. market by 0% promo length. Its 21 months on purchases and balance transfers is 3 to 6 months longer than direct competitors (BankAmericard at 18 months, Citi Diamond Preferred at 21 months, U.S. Bank Visa Platinum at 21 months on transfers only).

What you give up: rewards. Reflect earns zero cashback or points. The opportunity cost of using Reflect instead of a 2% flat card like Active Cash on new spend is the 2% rewards on whatever you charge to Reflect during the 21 months. On $20,000 of new spend, that is $400 in foregone rewards.

The math nearly always favors Reflect when the goal is debt consolidation. The 5% balance transfer fee is the price of admission; everything after that is 0% interest until month 22.

Math worked example

$10,000 transferred to Reflect with 5% fee ($500), 21 months 0% APR:

• 21 months at $500 per month payoff: $10,500 total, $0 in interest
• Savings vs status quo at 22% APR with $250 per month payment: roughly $2,600 over the same period
• Savings vs status quo at 22% APR with $500 per month payment: $1,300

$5,000 transferred to Reflect with 5% fee ($250), 21 months 0%:

• 21 months at $250 per month: $5,250 total, $0 in interest
• Savings vs status quo at 24% APR with $200 per month payment: roughly $1,700

The savings scale with the original card APR and the original payment pace. Higher APR plus slower payments equals bigger Reflect win.

The intro 120-day window for balance transfers

Reflect’s 21-month 0% intro APR applies to balance transfers made within 120 days of account opening. Transfers made after day 120 still get a balance transfer fee (5%) but at the standard variable APR of 17.24% to 28.99%, which destroys the entire reason for the card.

Implication: open the card and execute the transfer in the first month. Do not “save” the intro window for a future transfer you might want later.

Wells Fargo Reflect vs Wells Fargo Active Cash

Both Wells Fargo cards run a 0% intro promo, but they are different tools.

• Reflect: 21 months 0%, no rewards, 5% transfer fee
• Active Cash: 12 months 0%, 2% flat rewards, 3% intro transfer fee (5% after 120 days)

For consolidation of $5,000+ in debt with a payoff timeline beyond 12 months, Reflect wins because the math savings from 9 extra 0% months exceeds the foregone rewards. For payoff in 12 months or less, Active Cash wins because the 2% rewards on new spend more than covers the slightly higher math cost.

Run your specific Reflect numbers

The pillar tool accepts the Wells Fargo Reflect APR for post-promo modeling. The balance transfer calculator accepts the 21-month 0% intro and 5% fee for during-promo modeling.

The cliff at month 22

The Reflect’s 0% intro APR ends at month 21. Any residual balance on month 22 onward incurs the standard variable APR of 17.24% to 28.99%, depending on the assigned rate at approval. The minimum payment formula (1% of balance plus interest and fees, with a $25 floor) is far below the payoff-pace amount.

Practical implication: divide the post-transfer balance (including the 5% fee) by 21 to get the required monthly payment. Set autopay for that amount on day one, not the minimum payment. On a $10,500 balance ($10,000 plus $500 fee), the autopay amount is $500 monthly.

If month 22 arrives with a residual balance of $2,000 at 22% APR with minimum payment, the residual accrues another $440 in interest before payoff. The 5% transfer fee was supposed to buy 21 interest-free months; do not turn it into 21 interest-deferred months by underpaying.

How to calculate the break-even point

The Reflect break-even versus carrying the original card balance can be calculated as follows:

1. Transfer fee = 5% of transferred balance
2. Original card interest cost = balance times APR times average months carried, divided by 12
3. Reflect wins when (2) > (1)

On a $5,000 balance at 22% APR with 12 months average carry: $5,000 times 22% times 12 divided by 12 equals $1,100. The 5% Reflect fee is $250. Reflect saves $850.

On a $2,000 balance at 18% APR with 4 months carry: $2,000 times 18% times 4 divided by 12 equals $120. The 5% Reflect fee is $100. Reflect saves $20. Marginal.

For small balances and short carry periods, the 5% fee eats most of the savings; the Reflect is overkill. Use it for balances above $3,000 and carry periods beyond 6 months.

When Reflect is the right card

Three scenarios where Reflect dominates:

1. Carrying $5,000+ in credit card debt at 18% to 25% APR with a payoff timeline of 12 to 21 months
2. Anticipated large purchase (medical, home appliance, wedding) you can pay off in 21 months but not in 6
3. Combining a card balance and an upcoming large purchase: transfer the balance and put the purchase on the same card, both at 0% for 21 months

When Reflect is the wrong card

Three scenarios where Reflect loses:

1. Balance is under $2,000 and payoff is under 12 months: the 5% fee eats most of the savings
2. You will continue spending on the card and need rewards: Reflect earns zero
3. You cannot commit to the payoff-pace monthly payment: the cliff at month 22 turns a great deal into a bad one

Strategy: stack Reflect with a rewards card

A common move is to open Reflect for the balance transfer and keep an existing rewards card (Active Cash, Citi Double Cash, Discover it Cash Back) for new spend. Charge nothing to Reflect during the 21 months; charge everything to the rewards card and pay it off monthly. Reflect runs the 0% payoff in parallel.

This works because the Reflect’s 0% on purchases is a feature, not a requirement. You do not have to use it.

Should you keep Reflect after the 0% promo ends?

The Reflect at standard APR of 17.24% to 28.99% with no rewards is a mediocre card. Once the balance is paid off, the card is essentially dormant. Wells Fargo will not close it automatically; you can leave it open at zero balance for the available credit (which helps utilization) or close it after 18 to 24 months once your credit history “remembers” the account.

The choice depends on how many credit cards you already have. If Reflect is one of 5+ open cards, closing it after payoff costs little. If it is one of 2 to 3 cards, keeping it open preserves more “length of credit history” and utilization headroom.

Other Wells Fargo cards

• Wells Fargo Active Cash payoff calculator
• Wells Fargo Autograph payoff calculator
• Wells Fargo Bilt payoff calculator

Other 0% intro APR balance transfer specialists

• BankAmericard payoff calculator
• U.S. Bank Cash+ payoff calculator

Related

• Credit card payoff calculator (home), pillar tool
• Credit card payoff by card type, full hub
• Balance transfer calculator
• Best balance transfer cards 2026, Reflect is the top pick

Frequently asked questions

What is the APR on Wells Fargo Reflect after the intro period?

17.24% to 28.99% variable as of May 13, 2026, per Wells Fargo Reflect pricing. The variable rate adjusts with the prime rate. Your specific assigned APR is determined at application and is printed on the monthly statement. Note that the high end of 28.99% is among the higher variable APRs in the no-annual-fee tier, so executing the payoff before the 21-month promo ends is critical.

How long is the 0% intro APR offer?

21 months from account opening on both purchases and qualifying balance transfers. This is the longest 0% intro promo offered by any major U.S. issuer as of May 2026, matched by Citi Diamond Preferred and U.S. Bank Visa Platinum (transfers only). Wells Fargo Reflect is the only one of the three offering 21 months on both purchases and transfers.

What is the balance transfer fee?

5% of each transfer amount, with a $5 minimum, during the introductory promotional period. There is no separate lower introductory transfer fee tier on the Reflect, unlike Active Cash which charges 3% during the first 120 days. The fee is added to the transferred balance.

Can I use Reflect for both balance transfers and new purchases at 0%?

Yes. The 21-month 0% intro APR applies to both new purchases and qualifying balance transfers made within 120 days of account opening. Transfers made after day 120 still incur the 5% fee but post at the standard variable APR. Plan to execute any transfer in the first month after opening.

Does Wells Fargo Reflect earn rewards?

No. The Reflect is a no-rewards balance transfer card, by design. The tradeoff is the longest 0% intro promo in the market. For new spending, most cardholders keep a separate rewards card (Citi Double Cash at 2%, Active Cash at 2%, or Discover it Cash Back) and use Reflect strictly for the 0% balance transfer payoff. Stack them.