The Wells Fargo Reflect® Card offers a very long introductory APR, www.sektorlideri.net making it a great choice if you're looking to finance a large purchase or transfer a balance from a card with a high APR. In order to take full advantage of this card's power, you need to make all your minimum payments on time.

Through the promotional offer, you'll get 18 months from account opening of 0% introductory APR on both purchases and qualifying balance transfers.

And if you're eligible, you can get up to a three-month extension by making on-time minimum payments during the intro and extension periods -- that's a total of up to 21 months from account opening of 0% introductory APR (then 15.24% to 27.24% variable APR thereafter). There is no annual fee with this card, so by using it responsibly you can continue to build your credit even after the promotional APR period is over. 

The Wells Fargo Reflect Card is quite specialized: If you're looking for cash back or travel rewards -- or your credit isn't great -- you'll have to look elsewhere.

Read on to learn more about the details surrounding the intro APR and balance transfers, as well as some recommendations for supplementary cards and potential substitutes.

In this article

Introductory APR on purchases

With the base 0% introductory APR offer on purchases at 18 months from account opening, this card is one of the best on the market in that category.

Any purchase you make in the first 18 months will have no interest applied as long as you pay the minimum monthly payments on time. Making the minimum payments each month (during the intro and extension periods) also lets you qualify for the up to three-month extension on the introductory APR.

Just keep one thing in mind. Whether you get 18 months or 21 months from account opening of the introductory APR, at the end of the promotional period your APR will then hike up to 15.