Here's How to Get 0% Intro APR for 21 Months With No Annual Fee

Published on Jan. 27, 2026

Ryan Wilcox

By: Ryan Wilcox

Full-Time Personal Finance Writer

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Want to pay 0% interest on existing debt and new purchases through most of 2027? If so, the Wells Fargo Reflect® Card (rates and fees) is the card you need.

The Wells Fargo Reflect® Card has one of the longest intro APR offers out there -- nearly two years -- and you'll get it for both purchases and balance transfers. That means if you need to erase high-interest debt, pay off an upcoming purchase, or both, this card can help you do it.

Keep reading to learn why the Wells Fargo Reflect® Card is my favorite balance transfer card available now.

Get an intro APR offer that lasts almost two full years

The Wells Fargo Reflect® Card, comes with:

  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers; after that, a 17.49%, 23.99%, or 28.24% Variable APR applies
  • $0 annual fee
  • $600 in cellphone protection per year (subject to a $25 deductible) when you pay your bill with the card

That's one of the longest intro APR periods you'll find on either purchases or balance transfers -- and with the Wells Fargo Reflect® Card, the offer applies to both. Zero interest for almost two years? Don't mind if I do.

Just note that balance transfers have to be made within the first 120 days to qualify for the intro rate.

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Wells Fargo Reflect® Card

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Rates & Fees External Link Icon

Wells Fargo Reflect® Card
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5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR for 21 months from account opening on purchases

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.49%, 23.99%, or 28.24% Variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, this card is hard to beat.

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    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Balance transfer fee
    • Foreign transaction fee
    • No rewards program
    • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
    • 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 qualify for the intro rate, BT fee of 5%, min: $5.
    • $0 annual fee.
    • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
    • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Should you apply for the Wells Fargo Reflect Card?

It's worth noting that the Wells Fargo Reflect® Card has no ongoing rewards rates, which means you won't earn cash back or travel rewards for paying with your card. There are some great rewards cards that also come with 0% intro APR, but it'll likely be a much shorter window than the Wells Fargo Reflect® Card's intro APR.

That means this card isn't right for you if you want to rack up rewards. But if your only goal is to save on interest, you'd be hard-pressed to beat it -- and if you're in serious debt, that should definitely be your top priority.

If that sounds like you -- what are you waiting for? Check out our full review of the Wells Fargo Reflect® Card to apply now and start saving.

Our Research Expert

Ryan Wilcox
Ryan Wilcox icon-button-linkedin-2x

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.