Wells Fargo offers a variety of credit cards with attractive 0% introductory APR periods, making them an excellent choice for those looking to finance large purchases or consolidate debt. In this guide, we’ll explore the best Wells Fargo credit cards with 0% intro APR offers, their benefits, and how to choose the right one for your needs.
Why Choose a Wells Fargo Credit Card with 0% Intro APR?
A 0% intro APR credit card allows you to make purchases or transfer balances without paying interest for a set period. This can be beneficial for:
- Financing large purchases without immediate interest charges.
- Consolidating high-interest debt to save on interest payments.
- Managing cash flow more effectively during financial transitions.
Top Wells Fargo Credit Cards with 0% Intro APR
1. Wells Fargo Reflect® Card
The Wells Fargo Reflect® Card is one of the best options for those seeking an extended 0% intro APR period.
- 0% Intro APR: Up to 21 months on purchases and qualifying balance transfers (then a variable APR applies).
- Balance Transfer Fee: 3% for the first 120 days, then 5%.
- Additional Perks: Cell phone protection and access to My Wells Fargo Deals.
Best for: Those looking for the longest possible 0% intro APR period.
2. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is ideal for those who want both a 0% intro APR and unlimited cash rewards.
- 0% Intro APR: 15 months on purchases and balance transfers (then a variable APR applies).
- Cash Rewards: Unlimited 2% cash back on all purchases.
- Welcome Bonus: $200 cash rewards after spending $500 in the first 3 months.
- Balance Transfer Fee: 3% for the first 120 days, then 5%.
Best for: Those who want a combination of 0% intro APR and high cash-back rewards.
3. Wells Fargo Autograph℠ Card
The Wells Fargo Autograph℠ Card is a great choice for those who want rewards on everyday spending along with a 0% intro APR.
- 0% Intro APR: 12 months on purchases (then a variable APR applies).
- Rewards: 3X points on dining, travel, gas stations, transit, streaming services, and phone plans.
- Welcome Bonus: 20,000 bonus points after spending $1,000 in the first 3 months.
- Annual Fee: $0.
Best for: Those who want to earn rewards on everyday spending while enjoying a 0% intro APR.
How to Choose the Right Wells Fargo Credit Card
When selecting a Wells Fargo credit card with a 0% intro APR, consider the following factors:
- Length of the 0% Intro APR Period: If you need more time to pay off a balance, the Wells Fargo Reflect® Card offers the longest period.
- Rewards and Benefits: If you want cash back, the Wells Fargo Active Cash® Card is a great option. If you prefer travel and dining rewards, the Wells Fargo Autograph℠ Card is a better fit.
- Balance Transfer Fees: If you plan to transfer a balance, be mindful of the fees associated with each card.
- Spending Habits: Choose a card that aligns with your spending patterns to maximize rewards and benefits.
Final Thoughts
Wells Fargo offers several excellent credit cards with 0% intro APR periods, each catering to different financial needs. Whether you’re looking for the longest interest-free period, high cash-back rewards, or travel perks, there’s a Wells Fargo card for you.
Before applying, assess your financial goals and spending habits to choose the best card for your situation. By leveraging a 0% intro APR offer wisely, you can save money on interest and make the most of your credit card benefits.
