Balance transfers made within 120 days from account opening qualify for the intro rate, BT fee of 5%, min $5. There's no annual fee. The Wells Fargo Reflect® Card has higher interest rates than ...

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).