Need a Break From Interest Payments? Here's Our Top 0% Intro APR Credit Card

Published on Oct. 21, 2025

Ryan Wilcox

By: Ryan Wilcox

Full-Time Personal Finance Writer

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

If you're looking to make a dent in your debt, I've got a credit card for you: the Wells Fargo Reflect® Card (rates and fees), which Motley Fool Money named the Best 0% Intro APR Credit Card of 2025.

The Wells Fargo Reflect® Card offers one of the longest intro APRs on the market on both purchases and balance transfers. Whether you're planning a big spend or tackling debt on another credit card, the Wells Fargo Reflect® Card gives you the breathing room you need to do it.

Keep reading to learn why else I recommend the Wells Fargo Reflect® Card.

Nearly two years' worth of intro APR

With the Wells Fargo Reflect® Card, you'll enjoy:

  • 0% intro APR for 21 months from account opening on qualifying balance transfers and 21 months from account opening on purchases; after that, a 16.99%, 23.49%, or 28.74% 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. If you're looking to save on interest, you can't do much better than the Wells Fargo Reflect® Card.

You'll also get solid cellphone protection and no annual fee attached. Just note that balance transfers must be made within 120 days to qualify for the intro rate.

Ready to start saving? Read our full review of the Wells Fargo Reflect® Card to apply now.

Award Icon 2025 Award Winner

Wells Fargo Reflect® Card

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Reflect® Card
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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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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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 on purchases for 21 months from account opening

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

Regular APR

16.99%, 23.49%, or 28.74% 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 (16.99%, 23.49%, or 28.74% 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.

    Read Full Review
    • 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. 16.99%, 23.49%, or 28.74% 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.

Is the Wells Fargo Reflect Card right for you?

The Wells Fargo Reflect® Card is a fantastic card for paying down debt or paying off a large purchase, but it's not the best option if you're looking for long-term value. The Wells Fargo Reflect® Card has no ongoing earning rates, which means you won't earn rewards when you use the card.

There's also a balance transfer fee of 5%, min: $5 and a 3% foreign transaction fee to be aware of. A $10,000 transfer, for example, will cost $500, added straight to your card balance.

Start crushing debt today

If you're looking to save on interest for almost two years -- either on existing debt or an upcoming purchase -- the Wells Fargo Reflect® Card is a great way to do it.

With an intro APR offer spanning nearly two years, no annual fee, and valuable cellphone protection, it's a simple and effective way to get your finances back on track. I recommend it to anyone who wants to chip away at high-interest debt.

Want to start fighting back against credit card debt? Check out this list of the best 0% intro APR cards to explore all the top options.

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.