Balance transfer credit cards
With a Wells Fargo balance transfer credit card, you can pay off higher interest rate balances, cover planned or unexpected expenses, and simplify your finances with fewer payments.
Balance transfer credit cards
With a Wells Fargo balance transfer credit card, you can pay off higher interest rate balances, cover planned or unexpected expenses, and simplify your finances with fewer payments.
Choose the credit card that fits your life
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of these offers.
Reflect® Card
Enjoy our lowest intro APR for 21 months
APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 28.24% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.
Annual fee
Intro offer
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months2
Rewards
Unlimited 2% cash rewards on purchases1
Annual fee
APR
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49% or 28.49% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.
Balance Transfer Credit Cards FAQs
A balance transfer card is a credit card that features a balance transfer offer that consists of a zero or low introductory APR period. The way it works is that new cardholders who transfer a balance within a certain time frame gain access to a period of 0% APR. This provides the cardholders with more time to pay down debt without added interest charges. There’s usually a balance transfer fee of at least 3% of the total balance, but some cards may waive it.
When you transfer a balance, you move an existing balance from one credit card to another. The original card balance will decrease by the amount you move over, and the balance you transfer (plus a balance transfer fee) will appear on the new card.
Transferring a balance from one credit card to another usually involves a balance transfer fee. Balance transfer fees can vary between 3% to 5% of the balance amount. The fee is rolled into balance, so you don’t have to pay it up front.
A balance transfer fee is the fee charged by a credit card issuer when you move a balance from an existing card to a new card.
A balance transfer may take anywhere from a few days to several weeks, depending on the issuer. This time period also depends on when you make your request. If you initiate a balance transfer when you first open a new card, you may have to wait until you have the physical card in hand. Or the issuer may set a specific time period for when the transfer will finish.
