The Top Balance Transfer Card of January 2026: 0% Intro APR for 21 Months
Need some breathing room from high-interest debt? For my money, the Wells Fargo Reflect® Card (rates and fees) is the best way to get it.
The Wells Fargo Reflect® Card comes with one of the longest intro APR offers you'll find, and it also comes with no annual fee. If you're trying to save on interest, you can't ask for much more than that. Motley Fool Money named it the Best 0% Intro APR Credit Card of 2026 for a reason
Here's what to know about the Wells Fargo Reflect® Card before you hit apply.
Unlock nearly two years without interest
First, 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 any card, period. That means if you're looking to save on interest, you can't do much better than the Wells Fargo Reflect® Card.
You'll also get a solid amount of cellphone protection for no annual fee. Just note that balance transfers must be made within 120 days to qualify for the intro rate.
2026 Award Winner
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Intro APR 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
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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.
Read Full Review -
- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
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- 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.
Is the Wells Fargo Reflect Card right for you?
It's worth noting that the Wells Fargo Reflect® Card isn't the right choice if you want long-term perks or earning rates. The card has:
- No ongoing earning rates or rewards structure
- A balance transfer fee of 5%, min: $5
- A 3% foreign transaction fee
The balance transfer fee almost always works out to be a better deal than paying interest, but you'll still want to keep that in mind. And the fact that the Wells Fargo Reflect® Card doesn't earn any rewards hurts, too.
If your only goal is to save on interest, however -- and if you're in serious debt, that should be your only goal -- go with the Wells Fargo Reflect® Card. With an intro APR offer spanning almost two years for no annual fee, it's the perfect way to get your finances back on track.
Ready to save today? Read our full review of the Wells Fargo Reflect® Card to apply now.
Our Research Expert
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.